topic AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!! in Rebuilding Your Credit

AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Fri, 05 Feb 2016 20:41:16 GMT

Hey guys!! Just wanted to share my most recent success. I had two AFNI collections removed from my file and it only took ONE email to the higher ups to get it done. One was placed on my report back in Feb 2015 and the other was back in Sept 2014; I was advised by my LO to contact them to have them removed to improve my score and qualify for a USDA loan. I emailed the CEO and a few others on 2/02 and low and behold they both were removed 2 days later - according to my EXP and EQ reports. My EXP score has shot up 34 points!!!! I am just waiting for TU and EQ scores to see where I stand. I am super duper excited about this.!! GO ME! LOL

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Lucky7z — Fri, 05 Feb 2016 21:09:12 GMT

Was it paid? I'm trying to have them removed

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Fri, 05 Feb 2016 21:23:33 GMT

I'm starting to notice that emails sent to the TOP executives yields fast results... I just tried that yesterday & I've gotten calls & emails from their minions to fix my report. ... Further than I've gotten calling customer service line everyday for the past 2 months.

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Fri, 05 Feb 2016 21:28:23 GMT

Would you mind sharing your letter and how it worked for you?

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Fri, 05 Feb 2016 21:33:23 GMT

hello,

do you mind giving the email address you used for this?

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

tenillelg — Fri, 05 Feb 2016 21:38:28 GMT

That's awesome!!! I would love to know who you wrote, pretty please? I have one account with them too that I have been working on but have had absolutely no reply. :/

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Fri, 05 Feb 2016 21:42:39 GMT

Yes, I paid them both in June 2015.

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Mon, 15 Feb 2016 23:43:25 GMT

I sent the following to recoveryteam@afni.com; (Mod Cut-Direct contact info cannot be posted in the public forum)

"To Whom It May Concern:

Thank you for taking the time to read this email, and I hope your day is going well. I’m writing because I noticed that my most recent credit report contains two collection accounts that your company is handling, [insert original creditor(s)].

I’m planning to apply for a mortgage loan, and it’s come to my attention that the collection accounts on my record could hurt my ability to qualify. I truly believe that it doesn’t reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could make a goodwill adjustment to remove both collection accounts as they are in satisfactory standings. They both since have been paid and no other monies are due.

Thank you for your consideration, and I hope you’ll approve my request."

I am not quite sure which email worked but thankfully one actually did! You can tweak the above to your own personal situation.

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Lucky7z — Fri, 05 Feb 2016 23:04:23 GMT

Thanks!!!

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

IllinoisNative — Mon, 15 Feb 2016 14:15:46 GMT

This worked for me as well. They deleted the only collections account I had on my Transunion report and my score shot up 70 points. I'm now at 745. I'd be higher if I hadn't paid off my only installment loan which cost me 30 points. I still have a couple medical collections on my other two reports that I'm working on.

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Thu, 25 Feb 2016 15:49:26 GMT

This place continues to be an invaluable resource. I can second that I attempted to get a collection with Afni removed from my CR and they removed it with one email. Thanks luvtlh before this thread I didn't even think that would occur👍🏽

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Thu, 25 Feb 2016 15:55:29 GMT

One question though, how long did it actually take for the CRA to remove the collection? I know the email I received said 30-60 days.

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Fri, 26 Feb 2016 02:18:29 GMT

@Anonymous wrote:
One question though, how long did it actually take for the CRA to remove the collection? I know the email I received said 30-60 days.

You're welcome! Glad it worked out for you!! I never received a response from them. I just noticed the next day when I updated my Credit Karma reports that they were gone. I officially got a letter from them about a week later stating they were removing the accounts from my CRA. My scores skyrocketed afterwards and that made me extremely happy!

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Mon, 29 Feb 2016 23:21:46 GMT

Well they work fast indeed!! I received an alert today from my fico the collection has been removed from trans Union and I received a 21 point jump which out my score into the good category at 677. So thankful for this site and all the great advice. The goal is to get a mortgage after my 2 year bk layoff is over!!

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Mon, 29 Feb 2016 23:46:55 GMT

@Anonymous wrote:
Well they work fast indeed!! I received an alert today from my fico the collection has been removed from trans Union and I received a 21 point jump which out my score into the good category at 677. So thankful for this site and all the great advice. The goal is to get a mortgage after my 2 year bk layoff is over!!

That's awesome! My TU score went up 32pts (I had two AFNI accts removed) and my mortgage score went up 52 pts! Once all agencies remove your collection, pull a 3B report to see how much your mortgage scores have increased. At least that's what I did. Good luck with your home purchase!

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Tue, 29 Mar 2016 05:58:49 GMT

Could you PM me the email address you used? I've got one I paid in full years ago I successfully had removed by direct dispute with TU and EQ but is still on my EX report. It's my only derog and I reeeeally need to have it removed. I got denied a small loan today and was hoping to apply for a better points card in the near future.

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Tue, 29 Mar 2016 08:42:19 GMT

I dug a little deeper on here and learned to search a bit and sent a few emails out. Wish me luck. If it doesn't work I have a strongly worded full media validation request I will send CMRRR on Friday.

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Thu, 31 Mar 2016 15:39:26 GMT

My email worked! They sent me an email two days later saying it would be deleted with the deletion letter attached as a .pdf! So grateful for these forums!

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Thu, 31 Mar 2016 17:48:51 GMT

DW has a collection from ANFI that just showed up on her report. I'm debating a PFD or should we just pay it and send a GW email? Did anyone send a DV letter first? She doesn't remember having an account with Century Link, but DW is also known to have selective memory.

Re: AFNI COLLECTIONS REMOVED-- ONLY TOOK ONE EMAIL! BOOOOOOM!!!!

Anonymous — Thu, 31 Mar 2016 23:33:02 GMT

I disputed it initially. Of course it came back as valid. I just paid it. About 3mths after paying them I sent GW emails and CMRR Letters. Still with no response. I finally searched the net and found emails to execs. Emailed them and the collections were removed the next day. Btw, AFNI does not do PFD. That would be a waste of time.