topic Re: How to check CR paid or NOT? in Rebuilding Your Credit

How to check CR paid or NOT?

Anonymous — Wed, 08 Oct 2008 00:07:49 GMT

Sorry I am new to CR and how do i check if CR mark paid or not? I am using truecredit to monitor my CR.

Thanks advance

Re: How to check CR paid or NOT?

Anonymous — Wed, 08 Oct 2008 00:09:11 GMT

look for where it says balance. it should show 0 or might even say paid somewhere.

Re: How to check CR paid or NOT?

Anonymous — Wed, 08 Oct 2008 00:20:17 GMT

This is what i got on my CR and i paid this over amonth already

Creditor Name: AFNI

Account No.: 123615****

Original Creditor: SPRINT PCS

Responsibility: Individual

Condition: Derogatory

Original Balance: $1582

Balance: $1582

Date Opened: 04/08/2003

Date Reported: 12/01/2003

so this is not paid right? Now do i send a letter to Tranuion ask them to deleted it?

To Whom It May Concern

The following account has been paid off, please deleted from my credit report. I also attach a receipt of payment

Thanks You

is This will work?

Re: How to check CR paid or NOT?

Anonymous — Wed, 08 Oct 2008 00:38:50 GMT

It clearly says it is not paid.

Re: How to check CR paid or NOT?

Anonymous — Wed, 08 Oct 2008 00:41:24 GMT

paying an acct will not remove it. if it is a medical debt then follow the HIPAA process. if it's other than medical then all you can do is send GW letters.

Re: How to check CR paid or NOT?

Anonymous — Wed, 08 Oct 2008 01:29:54 GMT

Sprint PCS does not sound medical. It seems a cell phone bill, which actually has a Federal Statute of Limitations of two years - it means that after two years from default a consumer can't be sued any longer for the debt.

If you just paid without an agreement to delete, it will stay on your record for 7-7.5 from the time you defaulted on the account.

From the data snipped you sent, it could mean 12/2003 + 7-7.5 years, unless the date open reflects the date the account was assigned\purchased by AFNI - in this case, if the date of your default is older, the collection will drop sooner.

Without knowing all facts, I can only assume that your only way to see this deleted before it's due is to send a bunch of Goddwill letters to AFNI.

Re: How to check CR paid or NOT?

Anonymous — Wed, 08 Oct 2008 02:16:15 GMT

Stupid of me didnt check the SOL and i paid them last month. Does anyone know AFNI mailling address? so isnt do any good for me to send GW to sprint pcs right? should i send the GW letter to afni and sprint pcs? not hurt send both right?

Date Opened: 04/08/2003

Date Reported: 12/01/2003

Many thanks advance

edit...google and found it...can someone confirm this address

Payment Address
Afni, Inc.
PO Box 3427
Bloomington, IL 61702-3427

is this good

Dear Sir or Madam,

I am writing to you today regarding my Sprint PCS account #xxxxxx which I had while I was a student at My College. The purpose of my correspondence is to see if you would be willing to make a "goodwill" adjustment on the reporting of this account to the three credit agencies.

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in October 2008.

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing this account from my three credit reports.

As soon as I became aware of the balance I contacted Bay Area Credit Services and paid the balance.

I would like to STRESS that the information currently being reported IS accurate, I am not disputing anything with. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Best Regards

Message Edited by HomerSimpson on 10-07-2008 07:16 PM

Re: How to check CR paid or NOT?

Anonymous — Wed, 08 Oct 2008 03:44:34 GMT

letter sounds good

Re: How to check CR paid or NOT?

RobertEG — Wed, 08 Oct 2008 05:36:12 GMT

What you will most likely hear back from them is the langauge of the FCRA, which requries them to accurately report activities to the CRAs. The delinquency with the OC, and the subsequent reporting by their contracted CA to collect the debt were, by your admission, proper and accurate. Thus, they will most likely use the very language of the FCRA to tell you that it is not legal for them to to now change accurately reported data to the CRAs. This is a standard form letter that I have received numerous times in GW letters I have sent to BOA.

AFNI is a CA, so they will not normally be very concerned about giving good will back to a consumer. Just my opinion.

Message Edited by RobertEG on 10-07-2008 10:36 PM