OK, they were already reporting to all 3 bureaus......they letter I got was dated 1/6/2009.And then they put this on my report:
Reported By: Experian Reported On: 01/07/2009 Alert Type: Grid Code G (Collections) Creditor Type: Other Collection Agencies Date Last Updated: 01/04/2009 Derogatory Amount: 00000142 Date of Alert: 01/06/2009 Creditor Name: AFNI, INC. Creditor Address: PO BOX 3427 BLOOMINGTON, IL 61702-3427 Creditor Phone Number: (888)2162408
And they were already reporting this on my report!! (below) and I don't know what to do?!? How to I file complaints? and more importantly how do I get all 4 of them off my reports!!
AFNI, INC.
Creditor Name: AFNI AFNI, INC. Account No.: Original Creditor: 10 CHARTER COMMUNICATIONS CHARTER COMMUNICATIONS Responsibility: Individual Individual Condition: Derogatory Derogatory Original Balance: $142 $142 Balance: $142 $142 Date Opened: 01/10/2008 01/2008 Date Reported: 02/17/2008 02/17/2008 Remarks: [TransUnion] Placed for collection [Experian] [Equifax]
AFNI-BLOOM More about this account
|Dispute Account No.: Condition: Derogatory Balance: $142 Type: Collection Pay Status: Late 120 Days
AG=Attorney General. Print out these abbreviations and keep it by your computer. These were a Godsend, when I first came to these forums.
Starting Score: 469