topic Re: AFNI Success! in Rebuilding Your Credit

AFNI Success!

Anonymous — Thu, 31 Jul 2008 17:22:37 GMT

I settled a debt with Afni in June 2008, the debt was from 2003. Thanks to a poster on this board, I sent them a email requesting that the account be deleted. The next day I received an email from them stating:

"This letter is to verify that we have filed a request with the credit bureaus to delete the account listed above from your credit report.

If you have any questions, please contact our office toll free at 1-888-827-6002 Monday through Friday 7am – 9pm CST.

You have the right to inspect your credit. This letter is from a debt collector.

Sincerely,

Afni, Inc."

3 days later this account was not showing on ANY of my credit reports!!! After I'm finished with rehabbing my student loans in December, I won't have any baddies! Thanks All!

Btw the way I sent the email to: RecoveryTeam@afni.com

Re: AFNI Success!

Anonymous — Thu, 31 Jul 2008 17:25:29 GMT

Big congrats considering how awful they are!!

Re: AFNI Success!

Anonymous — Thu, 31 Jul 2008 17:37:01 GMT

Congats!! I'm currently waiting on a response from them as well.

Re: AFNI Success!

Anonymous — Thu, 31 Jul 2008 17:40:14 GMT

Way to go!

I, too had them on my TU and EX reports. I disputed with both CRAs and only TU deleted the TL. I had to fight tooth and nail to get them off my EX but I was finally able to get them to delete.

Re: AFNI Success!

llecs — Thu, 31 Jul 2008 17:41:41 GMT

Congrats!

Re: AFNI Success!

Anonymous — Thu, 31 Jul 2008 17:49:38 GMT

SecondChance23 wrote:
I settled a debt with Afni in June 2008, the debt was from 2003. Thanks to a poster on this board, I sent them a email requesting that the account be deleted. The next day I received an email from them stating:

"This letter is to verify that we have filed a request with the credit bureaus to delete the account listed above from your credit report.

If you have any questions, please contact our office toll free at 1-888-827-6002 Monday through Friday 7am – 9pm CST.

You have the right to inspect your credit. This letter is from a debt collector.

Sincerely,

Afni, Inc."
3 days later this account was not showing on ANY of my credit reports!!! After I'm finished with rehabbing my student loans in December, I won't have any baddies! Thanks All!
Btw the way I sent the email to: RecoveryTeam@afni.com

Congrats !!!!!!!!!

Re: AFNI Success!

Anonymous — Fri, 01 Aug 2008 03:09:36 GMT

Second chance, i have a couple of questions, if you could please give me an idea on how to deal with afni...

did you send a letter for verification to them, and when you did settle, what percent of actual loan did you settle for...

if you did send a D.V. could you please post a copy of the letter of what you sent to them...

i would love to see it. and i am sure many other here would like too

Re: AFNI Success!

Anonymous — Fri, 01 Aug 2008 03:16:55 GMT

Mainemedic

could you please post the processes you went through to get them off your credit report,, and if you could post any letters you sent to Anfi, so we all can take a stab at them,,,, i am siure you proably went through some blood,swet and tears against them...bu maybe we all can benefit from your exprience

thanks in advance

Re: AFNI Success!

JShidell — Fri, 01 Aug 2008 13:42:30 GMT

SecondChance23,

Thank you so much for that email address. I sent off the email today with a GW letter and received a letter back the same day. They are going to DELETE

SUCCESS with AFNI, YES

Thank you!

v/r

JShidell

Re: AFNI Success!

Anonymous — Fri, 01 Aug 2008 13:58:17 GMT

Leopa,

I settled before I knew anything about sending a DV letter. I gave them 50% of what I owed - that is as low as they would go. My email was literally 3 sentences asking them to delete the account...no disputing, no good will story, I just politely asked them to remove the account.

Message Edited by SecondChance23 on 08-01-2008 06:58 AM

Re: AFNI Success!

Anonymous — Fri, 01 Aug 2008 14:02:38 GMT

CONGRADS!!! They sent me a letter on a Thursday saying they requested that the account be deleted, by Monday the account was gone from all three of my reports!

Re: AFNI Success!

Anonymous — Fri, 01 Aug 2008 15:24:58 GMT

I sent AFNI 2 DV letters (you can find a sample letter on this site if you do a search) to which they did not respond to. I also contacted the IL AG, Maine consumer protection agency, FTC, BBB. I also sent a letter to EX advising them that AFNI could not validate.

Then after I sent those letters I found some email addresses for AFNI and sent them copies of the DV letters, Certified Mail Green Cards, and I told them that if they didn't validate this debt then they must delete.

A day later they responded by saying they were deleting this account.

Re: AFNI Success!

brownee — Fri, 01 Aug 2008 16:39:48 GMT

Well, ok then. I had already paid AFNI last month before I found myFico, so I just sent them an email. I hope they're feeling generous and will do the same for me!! Congrats , by the way on getting that done!

Re: AFNI Success!

JShidell — Wed, 06 Aug 2008 05:36:44 GMT

SecondChance23 wrote:
CONGRADS!!! They sent me a letter on a Thursday saying they requested that the account be deleted, by Monday the account was gone from all three of my reports!

I haven't been so lucky. Got my letter Friday, still on my reports as of Wed. I was hoping by atleast Tue I would see it gone (based on your experience) I guess I will continue to wait. I hate being patient.

v/r

JShidell

Re: AFNI Success!

Anonymous — Wed, 06 Aug 2008 20:51:11 GMT

I sent a DV letter to them back in June and they have not responded although they did update my report as unpaid. I'm going to send them another DV letter but by email this time. My question is, should I send it from my work email address or my yahoo account?

Re: AFNI Success!

Anonymous — Thu, 07 Aug 2008 13:31:19 GMT

*bump*

Re: AFNI Success!

llecs — Thu, 07 Aug 2008 14:05:28 GMT

kawgirl23 wrote:
I sent a DV letter to them back in June and they have not responded although they did update my report as unpaid. I'm going to send them another DV letter but by email this time. My question is, should I send it from my work email address or my yahoo account?

I would still send the DV CMRRR. While e-mails are valid in most courts, there might be a hold-out judge out there who still thinks that the internet is just passing through town. He/she may not recognize it (if you ever had to go to court).

But if you had to send one by e-mail, then I would do it via your yahoo acct. Yahoo, gmail, hotmail, etc are all expendable. You could always get a new account at any time. However, if you can't use your job's e-mail, you could get in trouble for it. Remember, if your company is called "Yucky Restaurant", then their domain might be yuckyrestaurant dot com. The CA could easily go back to that domain and find your work number and call.