Old T-Mobile Collections (AFNI) being reported as a credit account 120+ past due

[Chadius]

Here is my collections showing late:

AFNI, INC.    
Account Number:    deleted for privacy    
Acct Type:    Open Account    
Acct Status:        
Monthly Payment:        
Date Open:    1/1/0001    
Balance:    $702.00    
Terms:        
High Balance:    $702.00    
Limit:        
Past Due:    $702.00    
Payment Status:    At least 120 days or more than four payments past due    
Comments:    
COLLECTION ACCOUNT

ARROW FINCL 
Account NumberREMIER B-XXXX  
Acct Typepen Account     
Acct Status:
Monthly Payment:        
Date Open:6/1/2007 
Balance:$826.00   
Terms:    
High Balance:$495.00    
Limit:        
Past Due: $826.00   $826.00    
Payment Status:At least 120 days or more than four payments past due 
Comments: 
COLLECTION ACCOUNT

MIDLAND CREDIT MANAG   

Account Number:        
Acct Type:    Open Account    
Acct Status:       Open 
Monthly Payment:        
Date Open:    12/1/2007    

Balance:    $623.00   
Terms:        
High Balance:    $783.00    
Limit:        
Past Due:    $623.00    
Payment Status:    At least 120 days or more than four payments past due  
Comments:    COLLECTION ACCOUNT

Message Edited by Chadius on 08-31-2009 07:02 PM

[Chadius]

So what should I do with my above collections?

[RobertEG]

Chadius, you need to determine the date of the 30-day late on the OC account that led to the collection activity.  That is your DOFD, and controls when the CA must drop from your CR.  The date the CA opened their account with the CRA is immaterial.

[Chadius]

I already figured that part out. I was wondering about them posting 120 days late, when they can't or shouldn't.

I guess if I just get them to PFD, then all the lates go away, right?

[Anonymous]

Had the same problem, AFNI was reporting it as late, I paid them than disputed it. got them to delete it

[Chopbrocoli]

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@guiness56 wrote:
CAs can not reports lates.  File complaints with your AG and the FTC.

CA's cannot report monthly payment history pattern unlike OC's. But correct me if I'm wrong, but isn't that 120 + late just a factual statement about the account? That remark has nothing to do with the "current" collection account payment history and is not factored into the scoring model. They are simply not reporting payment history whatsoever. Therefore, there is nothing wrong with having a 120+ late remark.

[oneboss302]

AFNI is doing the same to me. It is listed in my accounts section too. It's even reported this month as a Reposession/ Forclosure!!! What do I do?

[Anonymous]

I am in the process of purchasing a house and I feel like this AFNI account is lowing my credit score. I need to get rid of this ASAP. Any suggestions?

[guiness56]

---

@Chopbrocoli wrote:

---

@guiness56 wrote:
CAs can not reports lates.  File complaints with your AG and the FTC.

CA's cannot report monthly payment history pattern unlike OC's. But correct me if I'm wrong, but isn't that 120 + late just a factual statement about the account? That remark has nothing to do with the "current" collection account payment history and is not factored into the scoring model. They are simply not reporting payment history whatsoever. Therefore, there is nothing wrong with having a 120+ late remark.

---

CAs should not have lates at all.  I have several collections (unfortunately) and I disputed the fact that they were showing lates.  They were removed.

It also depends on where the collection is being reported.  It should only show in the collection section but sometimes they show in your regular accounts.  If it is in the regular accounts then the 120 day remark is hurting, especially if the CA updates monthly.