11-29-2012 02:27 PM
Old verizon bill with AFNI
Sent request for DV they responded with copy of a verizon bill
Sent PFD , they will not budge (I was sure to word it that I was not sure of the validity of the debt but am willing to pay just to remove it from my report)
It is marked on one of my reports to fall off 2/13 , If I pay it - will that extend the amount of time its on my report?
Also I got a score watch alert today that the account was updated to "disputed" ?? Can this hurt me in some way?
11-29-2012 02:30 PM
11-29-2012 11:24 PM
+1 madman. The CRTP is set by the OC, and since AFNI is the CA, they do not set the clock for any reporting. As long as you don't sign an agreement with AFNI and default on that, then you will be just fine. I would however continue to offer a PFD, just to get rid of the debt. The account in dispute would only hinder a mortgage or loan application. Other than that, it will fall off too.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO