send afni a PFD request for 50%. they will send you a response that states that they have notified the CRA to delete. about a week later it will be gone with no money spent.
[Edited to put the following link back: recoveryteam@afninet.com. And, my apologies to srodier-- this email address can be posted because it's not linked to a specific person. ~LilMirth]
here is the letter i sent mine to.
Date 12/8/2010
equifax
address
city statezip
john doe
123 any st
any state
Re: Collection Account for Original Creditor, Account #: 1234564789 Amount: $1000.00
To Whom It May Concern:
This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number, as I have never heard from you regarding this account. The account number I have is the one listed on my equifax, transunion and experian credit report – which omits the last few digits.
In the spirit of compromise, I am willing to pay this account IN FULL (or settlement percentage) if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.
If you agree to the terms and accept this agreement, certified funds for the settlement amount of $500.00 will be sent to you in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies. You agree to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone. If contacted by any third party, including credit-reporting agencies, you will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account. If you agree to the above terms,
please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of your company. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of the State of New York.
Please address all correspondence regarding this account to:
John doe
123 any st
Any city state zip
Starting Score: 550
