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TeeVeeDude wrote:
They are jerking you around.
In most states, an account this old is certainly out of the Statute of Limitations. That means there is nothing they can do to force you to pay it. If they sue you, you only have to state the defense that the action is time-barred and you will win.
Calling them won't work. The drones that answer the phone don't have the authority to do PFD. You need to write to them. Make it clear that the only way you are going to pay this is if they agree to delete.
It's already six years old -- another year and it's gone from your report anyway. Having it show as "paid" at this point isn't going to help you.
Unless you are planning to apply for a mortgage: in that case, the lender will do a manual review. Most lenders won't approve a loan if you have an unpaid collection. In that case, you'd have to pay it. If you aren't applying for a mortgage in the next year, I'd say either wait it out or PFD.I have noticed that a lot of the "AFNI" collections have been reported in the last few months, which does hurt your credit because they are showing as new collections, even if you PIF.AFNI showed up on DDs CR with "Nextel" as the original creditor. Drop off date is 2010?????, Date first reported 6/2008??????? It's crazy. I am anxious to see how they respond our DV?????