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Established Member
Posts: 31
Registered: ‎06-06-2012
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Where to get Credit Reports/AFNI PFD Fail!

i have used all my "free credit reports" for the year i'm wondering where most of the community goes to get reports and how they keep track monthly of their scores and successes....PS. i emailed AFNI a PFD with a settlement offer, and they replied in less than an hour via email:


Dear Jolon,

Thank you for your inquiry.  Your account(s) will be reported to all 3 major credit reporting agencies as closed and paid after a payment of the balance(s) due post.  We do not exchange credit deletions for payments.


Customer Relations Specialist

Recovery Team │ Receivables Management

. . . . . . . . . . . . . . . . . . . . . . . . . .

Afni, Inc. 1310 Martin Luther King Drive

Bloomington, IL 61701

RecoveryTeam @




Today is my first ever PFD submission, my first day on the forum, but all of you fine people have inspired me!!! I will be emailing them every day on my lunch break until i get an answer i like.


Starting Score: 491 TU 490 EX EQ 510
Current Score:
Goal Score: 725 Across the Board
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
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Re: Where to get Credit Reports/AFNI PFD Fail!

Send it again.  Also start a new thread and ask for Afni contacts.  Maybe someone has an executive or someone higher up the ladder than can make it happen.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Frequent Contributor
Posts: 339
Registered: ‎08-24-2012
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Re: Where to get Credit Reports/AFNI PFD Fail!

AFNI sucks (or they just randomly delete... obviously you had my luck). I sent every dv pfd every way fax email snail even called them. All of a sudden the other day they are gone so either they got tired of telling me no and shooting me down every way possible OR they sold it to someone else for the year and a half it has left on my CRs. Good luck! Persistence...

Goal Score: 700

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