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Starting Score: EQ 511 TU 552 EX 545 8/29/2012
+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.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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