MikeyC23 Posted February 9, 2005 Report Share Posted February 9, 2005 I have a collection for about $400 from AFNI, Inc. for a Bellsouth collection back in 1998. DOL is 6/1999 on my Equifax. I live in Florida and wanted to know what kind of letter I can write to Equifax to get this removed asap. I did a DV letter about a year ago and AFNI, Inc. proved that it was mine.Thanks! = ) Link to comment Share on other sites More sharing options...
DocDon Posted February 9, 2005 Report Share Posted February 9, 2005 They may have proved it was yours, but doesn't mean it's still valid under your state SOL....There's no "magic letter" to send to Equifax. Your best bet is to find the SOL for your state and notify AFNI, Inc. that they are "SOL" (if you know what I mean). As it is their business to know individual state SOL, you can then demand AFNI remove the collection from your report since your are no longer liable for the debt under statute. Link to comment Share on other sites More sharing options...
MikeyC23 Posted February 9, 2005 Author Report Share Posted February 9, 2005 Thanks Doc! I actually found a western union receipt showing I paid the account last year & AFNI never removed it my credit report. I'm sending Equifax a letter showing the account has been paid and that they need to remove the negative account from my credit report Link to comment Share on other sites More sharing options...
DocPC Posted February 9, 2005 Report Share Posted February 9, 2005 DONT DO THAT!!!!! They will mark it as a paid collection.... Link to comment Share on other sites More sharing options...
DocDon Posted February 9, 2005 Report Share Posted February 9, 2005 Yikes. Agreed.Did you dispute this and it's coming back as an open collection? Link to comment Share on other sites More sharing options...
MikeyC23 Posted February 9, 2005 Author Report Share Posted February 9, 2005 I pulled my Equifax report today and had 1 item showing up on "negative account history". I clicked on it and it shows AFNI, Inc Account # BellSouth-230XXXX Current Status: REFINANCED OR RENEWED Balance: 0 Past due amount: 0 Date of Last Activity: 6/1999What should I do to get this removed? Also, I have one collection(I clicked on collections and found one) for $1400 & DOL is 6/1999 but I also paid this collection last year and have proof. How do I get this deleted from my credit report? I was also going to send Equifax a letter showing it is paid in full & please have it removedthanks! Link to comment Share on other sites More sharing options...
DocPC Posted February 9, 2005 Report Share Posted February 9, 2005 I would do a "not mine"... Link to comment Share on other sites More sharing options...
MikeyC23 Posted February 10, 2005 Author Report Share Posted February 10, 2005 So, I paid the collection with AFNI, Inc last year for no reason? I paid the collection and it still reports on my bureau. What the hell!! If I tell Equifax it is paid and I have proof, why will that hurt me? What's the easiest way to get this off of my credit report? thanks! Link to comment Share on other sites More sharing options...
divemedic Posted February 10, 2005 Report Share Posted February 10, 2005 The sad truth is, you did pay the collection for no reason. FICO scoring looks at the fact that you had a collection. Period. It does not care that you paid it. The simple presence of a collection hurts you, paid or not. Paid collections are much harder to get rid of, in my experience. When I first started clearing my credit 3 years ago, I did the same thing. I paid 3 small collections before I found this site and I didn't know any better. 2 of them are still there. I had no luck in getting them removed.Granted, I never sued. I have the violations to do so, but I never bothered as my score was over 700 by the time I had cleaned the other stuff away. Now I am not bothering because the collections are about to fall off anyway. Link to comment Share on other sites More sharing options...
MikeyC23 Posted February 10, 2005 Author Report Share Posted February 10, 2005 I had to pay it last year because I was in the process of getting approved for my new home and that was the only derog and my credit! So, I had to choice but to pay it! = ( I guess I should try and do a "not mine" and see what happens that way........... Link to comment Share on other sites More sharing options...
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