Valued Contributor
Posts: 2,669
Registered: ‎04-25-2011
Re: Did paying an Afni collection's bill hurt your credit score?

SweetKadi wrote:



Ok, so  I had a collection account with Afni from verizon for $149. I tried for so long and in some ways to get them to agree to a PFD. But it didn't happen. So I ended up just paying it. I will still try to get them to delete it. But I'm worried it might hurt my credit score. The account is from 2008. If you have any experience with this or any other collection agency please let me know.


Thanks in advance!

A paid collection hurts your score just the same as an unpaid collection..


if it was already showing, the damage is done, it will not hurt more by paying it.


You need to GW them to try to have it removed.



Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX