Member
SweetKadi
Posts: 7
Registered: ‎11-02-2012
Did paying an Afni collection's bill hurt your credit score?

Hi,

 

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!

Established Member
mandar13077
Posts: 21
Registered: ‎09-24-2012
Re: Did paying an Afni collection's bill hurt your credit score?

I had a balance with AFNI that had been paid in 2010, but was still hurting my score. I ended up disputing it with the CBR and not even 2 weeks later it was removed.

 

Good Luck! :-) I have heard from some that they are not the nicest. LOL

Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
Re: Did paying an Afni collection's bill hurt your credit score?

SweetKadi wrote:

Hi,

 

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.

 

-scott

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
Contributor
waltini
Posts: 83
Registered: ‎06-29-2012
Re: Did paying an Afni collection's bill hurt your credit score?
I sent you a pm :smileywink:
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Did paying an Afni collection's bill hurt your credit score?

+1  The blemish is still there, although the debt has been satisfied.  Send a GW to them, see if you can get lucky.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Member
SweetKadi
Posts: 7
Registered: ‎11-02-2012
Re: Did paying an Afni collection's bill hurt your credit score?

Thanks for all your replies. I will keep on trying!!

Established Contributor
Lasardo
Posts: 749
Registered: ‎04-26-2012
Re: Did paying an Afni collection's bill hurt your credit score?

I had no success with PFD with AFNI so I just paid it. About a week or 2 later I got a letter stating it would be removed ..and sure enough the month cycled and it was off. I have read here over many months the same results 

CS 728- 01/13 from 554-12/11
Goal: 800