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AFNI success

Established Member

AFNI success

After a 3 day battle with them they folded! 


here is the story....


Applied for a mortgage and like most scam collection agencies they come lurking from the depths to f*** your life! Hit me with a t-mobile account that was invalid. I filed a dispute with transunion and after 2 tries it came off i made they however never made an effort to delete experian and equifax. so i since my loan was taking a little longer in uw my credit report needed to be pulled again... would you know they still are reporting. GAME ON!, i called and got no where with their rude staff so i Nuked them, bbb complain ftc complain, laid out all their violations crammed it in a email and sent it.... got this back



Dear Jaron,

Thank you for your inquiry. Afni has investigated your account and during the course of this investigation the decision was made to close this account. This action does not indicate the account was not due and owing, simply that Afni is ceasing collections on the same. If Afni had furnished information regarding your account to the credit reporting agencies a request has been filed with them to remove the information regarding this account from your credit file. If you have further questions a representative of Afni can be reached at 1-866-716-1284


emails were sent to:



if they dont answer back within a hour re send the email. 

Message 1 of 8
Valued Contributor

Re: AFNI success


Scores: about 700 across the board
Total CL: $275k
Message 2 of 8
Established Contributor

Re: AFNI success


Message 3 of 8
Moderator Emeritus

Re: AFNI success

Very nice!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 8
Regular Contributor

Re: AFNI success

CONGRATS!!! Hmm intresting it looks like the FTC is the agency that get the job done for AFNI. Can you PM the info/violation you used. I have my own and I want to make sure it matches my situation!

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 Smiley Surprised)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!

Message 5 of 8
Established Contributor

Re: AFNI success

now do your happy dance......

Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

Take the FICO Fitness Challenge

Message 6 of 8
Valued Contributor

Re: AFNI success

Nice, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 7 of 8
Established Member

Re: AFNI success

congrats, maybe ill try a different way to attack this?

Have a blessed day! =)
Message 8 of 8