AFNI Inc.
AFNI Inc. is a Midwest debt collection company located in Bloomington, Illinois that is commonly known for attempting to collect old, outdated phone bill debt purchased from Verizon, Cingular, Sprint and Alltel. As the new owner of any debt purchased from the original creditor or from another debt buyer, AFNI Inc. gains all rights under the original contract in order to collect the debt. For this reason, the name of AFNI Inc. may appear on a consumer's credit report in place of the original creditor. In an attempt to collect debt, AFNI Inc. is commonly known to use very aggressive collection techniques such as repetitive phone calls, collection letters and placing derogatory information on the consumer's credit report.
Federal law grants collection agencies the ability to place negative information on the consumers' personal credit file, which can lower the consumers' credit score and cause damage to their overall credit ranking. Having low credit scores can be very detrimental to the consumer as it increases their risk for credit denial. In order to protect the American consumer from the frivolous reporting of negative information by collection agencies like AFNI Inc., federal law also grants the consumer with the right to dispute and potentially remove the negative information on their consumer credit report.
I was dealing with numerous collection accounts placed on my credit report by AFNI Inc. that were damaging my credit score and affecting my ability to obtain credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies to include AFNI Inc. in an attempt to negotiate some kind of arrangement with them. I was hoping to increase my credit score by having AFNI Inc. remove the negative information they had placed on my credit report. Dealing with AFNI Inc. was more time consuming and frustrating than I could have possibly imagined but even worse, AFNI Inc. was not willing to work with me and continued to report the damaging data to the credit bureaus. At that point, it became very clear that credit repair wasn't going to be an easy task to perform.
I needed results and didn't have the patience or hundreds of hours it was going to take to remove the collection accounts placed on my credit report by AFNI Inc. so I contacted Credit Restoration Bureau. They immediately began working to remove the collection accounts placed on my credit report by AFNI INC. by performing credit repair on my behalf. By taking a professional approach, they were able to raise my credit score by deleting various types of derogatory items from my consumer credit report such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my credit score had gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.
Here is one of the update letters I received from the credit bureaus. This one is from Equifax and shows the deletion of an AFNI Inc. collection account.
Credit Restoration Bureau was amazing and I would recommend them to anyone dealing with a damaged credit report or being harassed by collection agencies like AFNI Inc. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs and more. If you're having a hard time dealing with negative information placed on your credit report by collection agencies like AFNI Inc. and would like a higher credit score, you should seek professional credit repair help. You should contact Credit Restoration Bureau or click their link below.
