topic AFNI finally gone!! in Rebuilding Your Credit

AFNI finally gone!!

novabama — Tue, 09 Oct 2012 13:10:58 GMT

So AFNI had 2 old collections for 99 and 263 on my CRs, all three. I sent at least 8 or 9 PFDs over the last month or so, via fax and email and snail mail. I got either no response or just told NO we will settle for half only and mark as settled. Finally I called with a number that's been passed around here. That didn't work either! They said sorry can't do that. I said "you realize you are never going to get this money right?" he said "yes we do". I said ok great thanks and hung up! I couldn't keep my frustration out of that convo haha.

Well anyway yesterday I checked MPM daily 3 in 1 report and noticed those two were mysteriously missing from EX only... I don't remember disputing that with EX, but after the phone call to them I did dispute to verify all accuracies (mind you I did DV before all of this and they came back with a bill) with TU and EW I believe. Well today I logged into my Equifax complete account and they are gone from there too!! I feel like doing the happy dance! Except I don't feel good haha. I'm sure TU will follow suite.

Just wanted to share for those having trouble with them... yet again, persistance pays off!!

Re: AFNI finally gone!!

madmann26 — Tue, 09 Oct 2012 13:32:42 GMT

congrats!

Re: AFNI finally gone!!

Jaguars28fan — Tue, 09 Oct 2012 13:38:24 GMT

wow congrats!! I guess it gives us hope, to just keep bothering the hell out of these CAs lol.

Re: AFNI finally gone!!

Anonymous — Tue, 09 Oct 2012 13:43:46 GMT

congrats!!!!!!!!!!!!!!!!!!!!!!!

Re: AFNI finally gone!!

novabama — Tue, 09 Oct 2012 13:47:29 GMT

Thanks you guys!!! My story, even just thus far, should give anyone hope. I have been at it for a little over a month. I pulled my free 3 CRs Aug 28th and just look in my signature at how many removals I have had since I started Sept 4th. It is amazing and the wealth of knowledge here and on google!!

I started with about 30, THIRTY! baddies. I wrecked my score when I was 18 (not all my fault) I am now down to the 2 small judgments I am trying to settle (3 were listed, one not valid), 4 baddies that are known to not remove and will prob have to fall off, 5 medical collections that I am working on getting paid that were wrongfully NOT paid by the medical provider, and 3 or other small collections (2 for a couple hundred and 2 for around $50).

I feel like this is NOTHING short of a miracle

Re: AFNI finally gone!!

Anonymous — Tue, 09 Oct 2012 15:01:57 GMT

Keep up the good work! I went from 15 to 2 in two actual months time! Patience and persistent! Got a couple removed in January, then sat on my butt for over 6 months before running across this board. Results ever since!

Re: AFNI finally gone!!

Tay09 — Tue, 09 Oct 2012 15:48:38 GMT

Great job!!

Re: AFNI finally gone!!

annielorie — Tue, 09 Oct 2012 16:18:28 GMT

Good Job afni is tough!

Re: AFNI finally gone!!

iwant700fico — Tue, 09 Oct 2012 16:21:35 GMT

If they didn't accept your PFD , it could be they sold the account to another collection agency. This may reappear at some point in future.

Re: AFNI finally gone!!

novabama — Tue, 09 Oct 2012 18:53:51 GMT

Thanks y'all. Yeah I know believe me but if they sold I'd rather that than them keep ignoring me because Afni sucks. They only had a yea left on my report and I have heard of them just finally deleting so either way I am super happy!

Re: AFNI finally gone!!

Anonymous — Wed, 10 Oct 2012 15:47:17 GMT

Awesome! This is my first time on this site. I had to post my experience I emailed the recovery specialists and they agreed to delete the listing, I paid the settlement and poof it was deleted from all but equifax I contacted them sent the emails and it was deleted in three days!!!

Re: AFNI finally gone!!

novabama — Wed, 10 Oct 2012 15:53:08 GMT

@Anonymous wrote:
Awesome! This is my first time on this site. I had to post my experience I emailed the recovery specialists and they agreed to delete the listing, I paid the settlement and poof it was deleted from all but equifax I contacted them sent the emails and it was deleted in three days!!!

Thanks! Yeah I really was willing to pay them but not for it to not be deleted... does my score no good and I don't even believe I owe it anyway. Congrats on your deletion! They straight up denied my emails to the recovery team....... from 3 different email addresses, haha!

Re: AFNI finally gone!!

Anonymous — Wed, 10 Oct 2012 16:57:19 GMT

Congrats

Re: AFNI finally gone!!

Anonymous — Thu, 13 Dec 2012 09:51:17 GMT

congrats, hopefully ill get lucky?