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New Contributor
Posts: 69
Registered: ‎05-31-2012

Will paying a debt extend the amount of time its on my report?

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?

Valued Contributor
Posts: 1,587
Registered: ‎08-30-2012

Re: Will paying a debt extend the amount of time its on my report?

It will not extend. The fall off date is triggered by the DoFD.
Scores: about 700 across the board
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Posts: 14,051
Registered: ‎04-15-2011

Re: Will paying a debt extend the amount of time its on my report?

+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.

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