Called Afni and settled. They do not PFD., I was told, but paid them anyways. Called back again and again within hours of paying, and finally got someone who understood situation. They said under the circumstances they would delete. I would not take no for an answer. It was due to fall off in 7 months anyway. Not sure if that helped or not. They said it could take 60 days to remove, but was off within 48 hours off all 3 CB. Verizon was disputed with all 3 CB, that one was not mine, and deleted. It was my deceased family member with close name. Trident was the hardest. The bill was from 2005, but Trident was not trying to see my original bill. Way past the SOL. They said they would PFD, went round and round for a month everyday. The CB even said I was right, but Trident verified, and it was going to remain. That's the only reason I paid it. They remove the 23rd of the month only, so I fought with them till the 22nd, and finally paid just to be done. They are TOUGH. Utility was mine, PFD and was off within 24 hours. Disputed medical bill and they deleted. It was only on TU. forgot to mention, I DV everything. Once I did that Afni changed from collection to charge off, so be warned. After I disputed, they charged off, and were ready to sell debt, caught it just in time. I was surprised how fast everything was deleted, but talking to the collectors was no easy job, and stressful beyond words. They TRY to talk to you like a child, or less of a person, and I'm an adult. They truly test your patience. Seriously, you have to be the bigger person, keep level head, and seriously be nice no matter how much it hurts.!!!!!!!!!!!!! Remember you get more bees with honey than vinegar!!!! Hope this helps somebody.
