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

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Afni, Inc. 1310 Martin Luther King Drive

Bloomington, IL 61701

RecoveryTeam @ Afni.com

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.