AFNI collections on your credit report?
AFNI Collections (also know as Anderson Financial Network and AFNI Bloom) can be incredibly damaging to your credit. Collection accounts remain on your credit report for 7 years. Find out more about AFNI Collections and how they do business. Then continuing reading below to find out how you can get collections removed from your credit report legally and permanently.
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Who is AFNI Collections?
AFNI Collections is a collection agency located in Bloomington, Illinois. Like other collection agencies, they have a reputation for using harsh tactics to get people to pay money they may not even owe.
Are there complaints against AFNI Collections?
AFNI Collections constantly gets complaints from consumers. They are known for a common practice among collection agencies known as “re-aging debt”. When a collection agency re-ages a debt, they change the dates that are associated with when the debt occurred and when the debt was charged-off by the original creditor. By re-aging the debt, they hope to extend the statue of limitations on the validity of the debt. One consumer noted that AFNI changed dates on an outstanding account on their credit report when the statute of limitations had expired on a debt. The consumer in question used their rights as outlined in the Fair Debt Collections Practices Act and sent debt validation letters to them, but they didn’t respond with any proof that the member owed the money. At that point, if they couldn’t verify the debt, they would have to stop contacting the consumer to collect.
How can I contact AFNI collections agency?
It’s better not to talk to them on the phone. You should do all of your communicating through the mail or through a 3rd party like a lawyer or credit repair company.
PO Box 3427
Bloomington, IL 61702-3427
How to deal with AFNI Collection Agency?
If this sounds familiar, you should not pay anything to AFNI until you establish a few facts and try a couple of alternatives to paying the full amount that they say you owe. You should have them validate that the debt is yours. They aren’t interested if there is a case of mistaken identity if you are willing to pay. Even if the debt is yours, the statute of limitations may have expired so they have no legal recourse to collect. If you have a reason to believe that the debt is expired and you are contacted by the collection agency about an old account, send them an Expired SOL Notification letter. This will let them know that they are dealing with an informed consumer and that threatening to sue you for the money owed won’t work.
What happens if they refuse to validate the debt?
In some extreme cases, people have reported that AFNI Collections has refused to validate a debt. If this happens to you, you have to seek legal recourse through the State Attorney General. That should get their attention. If you have sent a debt validation letter and they continue to contact you about the debt before they respond to the verification request, it is a clear sign they are violating the law and aren’t going to listen unless you bring government authorities into the mix.
How to dispute AFNI Collections?
This isn’t unique to AFNI collection agency but we found that they have issues with keeping paperwork in order which can lead to reporting incorrect items to your credit report. When they buy debt from other collection agencies or from an original creditor, there isn’t always a perfect record of all the accurate details about the debt. Clerical errors or an improperly merged database can lead to credit reporting errors to the credit bureaus. When it comes to keeping your credit report timely and accurate, you are your own best (and sometimes only) advocate.
How can I get AFNI removed from my credit report?
If you’re tired of dealing with collection agencies like AFNI and their constant harassment, do what I did and give Lexington Law a call. Lexington Law can help you with your credit report disputes and make sure that they are done effectively, giving you the best chance at having it removed from your credit report.
Lexington Law Changed My Life
Call Lexington Law at 800-220-0084 and speak to a credit paralegal who will be understanding of you situation. They can answer any questions you have and help you get signed up and started immediately. The sooner you get your credit repaired, the better off you will be financially. Below is an image of some of the results I started seeing about 30 days after signing up with them.
AFNI Collections Removed from My Credit Report:
My credit scores have dramatically improved since there are no longer any negative accounts on my credit report. Here is a snap shot of my credit scores since I signed up with Lexington Law:
Lexington Law has provided expert credit repair services and experienced support to hundreds of thousands of people. For over 25 years, Lexington has been the trusted provider of affordable credit repair solutions. You owe it to yourself to at least check it out!
“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything you are doing for me and please pass on to your staff my appreciation for all of their hard work.”
– T.B., Lexington client
“I am more than happy with what you’ve been able to accomplish. When I started this, my credit score was 480 and I had several inaccurate items on my report (including two charge-offs … My score is now 684 and I just bought a truck at a favorable interest rate … The credit union now shows my internal score with them to be 782 out of 800. That’s what I call results!”
– S., Lexington client
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Get AFNI Removed from Your Credit Report Now!
If you’re sick of having bad credit and ready to get the negative items removed from your credit report, let the professionals at Lexington Law Firm take care of it for you.