AFNI: Can they legally do this?

mripguru · ‎06-22-2013

Hi Guys,

I'm wondering - given the info provided the below screen shot from MyFico SW - does it look like they're actually trying to add ANOTHER collection onto my account - rather than update the existing (paid) collection? SW seems to think so - but, I'm not sure if this is just account maintenance/record keeping or what:

There doesn't seem to be any negative impact - however.

On my latest report for EX - it doesn't show the $0 balance though. EQ/TU - however, do. Could this be just a difference in reporting?

What should I do here?

ktl72455 · ‎07-22-2013

I cant see the image , but since you said it was paid off, have you tried to send them a GW email to delete. So far they have been pretty easy.

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

mripguru · ‎07-22-2013

Been there; done that -- rejected.

ktl72455 · ‎07-22-2013

Via both email address?

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

guiness56 · ‎07-22-2013

@mripguru wrote:
Hi Guys,

I'm wondering - given the info provided the below screen shot from MyFico SW - does it look like they're actually trying to add ANOTHER collection onto my account - rather than update the existing (paid) collection? SW seems to think so - but, I'm not sure if this is just account maintenance/record keeping or what:

There doesn't seem to be any negative impact - however.

On my latest report for EX - it doesn't show the $0 balance though. EQ/TU - however, do. Could this be just a difference in reporting?

What should I do here?

I think SW will give you 2 alerts and make it look like another when it isn't. Have you checked you report directly from the CRAs?

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
Direct Dispute