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Good news:
Great news! The AFNI derogatory was removed today! I wouldn't necessarily do it on the phone but I have to say a week turnaround to get a derogatory off your credit is nice! Now we'll see if Stellar stands by their word. The supervisor at AFNI was incredibly helpful and got straight to the point on what they would settle it for and what they wouldn't. I hope to never have to talk to them again, but if you have an AFNI account I have his direct information.
Not so good news:
Credit score did not move with the deletion of the derogatory. It's funny, when I pay my credit cards even slightly down I move 25 points. Remove a major derogatory and nothing. Well at least its off!
More good news! Stellar recovery was removed on Saturday. So both AFNI and Stellar removed from credit in less than a week at roughly 40% of debt. Still waiting on letters though that show paid in full and deleted.
Bad news from the weekend was that Portfolio Recovery was awful. Spoke to three supervises and each one was as harassing and rude as the last. We finally just came to an impasse and I told them I would formally verify and hung up.
Oh well, I'll take the good with the bad if progress is made!
I actually had some success with Portfolio Recovery with a PFD. When I called to try and get the PFD, I was told ABSOLUTELY! not lol. I then decided to write up a PFD letter and send it to them with CMRRR. I received a response back within 2 weeks acknowledging there acceptance of the PFD in writing. I paid them like 40% of the debt with a money order that I mailed to them and it was deleted from my report after 2 weeks. I would try to write to them instead of calling them.
Glad to hear! I was having such success with the phone call PFDs that I think I just got overzealous and hopeful that they would all be that easy. I'll definitely send them one via mail though!