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HOLY MOLY I GOT A COLLECTION FROM AFNI!

Senior Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

I agree I don't want it hanging around, but let's see if I do owe it.  I think we bk'd our Direct TV account, in fact, DH is sure of it.  So we will see.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 11 of 24
Blogger

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

But did you opt right back out?

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EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

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Message 12 of 24
Regular Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

If he admitted they have an old address then get them to settle then delete if paid. They will tell you "We do not delete in exchange for payments" but tell him it is because you didnt get the letter they sent out or else you would have paid it within the 30 days of receiving it before it went on your credit report



Starting Score: 502 5/4/2012
Current Score: 640 08/03/2012
Goal Score: 700


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Message 13 of 24
Valued Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!


Booner72 wrote:?????

 

I THOUGHT I WAS DONE WITH THIS CRAP.

 

I OPTED BACK IN AND NOW LOOK WHAT HAPPENS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!




If a collection agency can do anything to ruin your life they will do so with pleasure -- I am convinced of that!   And, I'm not too sure it matters whether you are opted out or not because, I have been opted out for awhile now and still got hammered with both a hard inquiry by one collection agency and the reporting of a re-aged collection from another.  I sicked the BBB on both of them and, thankfully, they are gone off my CRs.  But, if a collection agency can find a way to do harm and damage, they will!  



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Message 14 of 24
Senior Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

Yes, I opted out again yesterday.

 

It's weird, Discernment...I've been buying a mortgage, a car, refi'd a car - doing lots of things.  But within 3 weeks of opting in, this pops up?  Seems pretty fishy to me!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 15 of 24
Senior Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!


discernment wrote:

Booner72 wrote:?????

 

I THOUGHT I WAS DONE WITH THIS CRAP.

 

I OPTED BACK IN AND NOW LOOK WHAT HAPPENS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!




If a collection agency can do anything to ruin your life they will do so with pleasure -- I am convinced of that!   And, I'm not too sure it matters whether you are opted out or not because, I have been opted out for awhile now and still got hammered with both a hard inquiry by one collection agency and the reporting of a re-aged collection from another.  I sicked the BBB on both of them and, thankfully, they are gone off my CRs.  But, if a collection agency can find a way to do harm and damage, they will!  



Aren't you kinda confusing intentional life-ruining with forcing someone to pay an otherwise uncollectible debt? A lot of people would never pay if they didn't need to.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Message 16 of 24
Senior Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

It hit TU today, lost 37 Credit Karma Points.

 

Did I send that DV letter in a timely manner since I never got a "dunning notice?" - I sent it the day it hit my first report.   ????????????

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 17 of 24
Senior Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

Sent the DV CMRRR and never heard a word from them aside from updating all the credit reports to "consumer disputes."  This dropped the CRAP out of my TU.  Since they never responded to the DV, I'm hoping the dispute falls into the 1-2 punch trick, and it comes off.  If it doesn't, then what?

 

I am NOT paying it.  EX has it being removed next March.  How is that that 3 CRA's have different drop off dates anyway?  DOFD was June 2006.

 

I just disputed it w/ TU and will see what they do.

 

IDIOTS

 

 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Message 18 of 24
Regular Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

How do you opt out?
 

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Message 19 of 24
Contributor

Re: HOLY MOLY I GOT A COLLECTION FROM AFNI!

He the same experience as another poster. The CA refused to negotiate or do a PFD, so I reached out to directv directly, PIF'd it and voila- it fell off my report.

Starting Score (EQ 1/17/12): EQ: 573, EX: 590, TU: 561
myfico.com (5/19/12): EQ: 787, TU: 797
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Message 20 of 24