Verizon Issue

[Philly215]

I have a past due balance with Verizon for $126.00 showing on my credit report. I due recall the past due balance and tried calling Verizon (OC) to make a payment in full. Unfortunately I was advised that my account was sold to AFNI and Verizon could not take nay payment from me. Since I am a resident of PA, I would like the trade line deleted if I could, so I was wondering if the best course of action is to send AFNI a PFD stating that if they cash my money order or Cashiers check, then they would consider the account paid in full and delete the trade line off of my credit report. Does anyone think I am taking the correct approach?

Thanks

[Trish]

Sure, you can do that.

One thing you may want to consider is sending them a DV and letting them validate the debt first. You may get it to go away just by doing that. This may take a little longer depending on how quickly they respond though.

So if you want to get it taken care of as quick as possible, then going straight to the PFD route would be fine.

[Philly215]

As always Trish, thanks. I do want to try & get this done ASAP, so I will try the PFD route. I will keep you posted and my fingers crosses

[nitro69]

I had AFNI (sprint) on my CR small amount due which I do not know where it came from but all I did was send a dispute letter to the CRA at which time it was Deleted/No Longer On File.

[Philly215]

Thanks Nitro maybe I will give that a try

[Philly215]

Hello,

I am looking for some assistance on what steps I should take next. I sent a DV to AFNI in reference to a Verizon (residential services) account. In response to my DV letters, I just received 2 letters from AFNI showing past due balances. One letter showed a past due bill from January 15th 2005 w/a balance of $126.00. The second letter, which was for different services, shows a balance of $159.00 from December 1st, 2005. Both of the letters included a photo copy of what I assume to be my last bill from Verizon beaking down all of the charges. Now before sending AFNI a DV letter, they sent me a letter asking me to pay $60.00 and they would consider the $126.00 payment as settled "paid in full". Now I know from reading serveral post this forum, settlement/"paid in full" doesn't help me not one bit. I am hoping to increase my credit score 20 or so point with in the next 60 days is possible. So my questions are:

(1) Do you think I should send them a PFD letter for both accounts and how much do you thik is fair?

(2) Do they still have the right to collect on the Jan 17th 2005 account since the SOL is 4 years for regular services (we have verizon for phone, internet, etc.) because it falls under goods and services (UCC SOL - 4 years).

(3) Would it still be wise to try a PFD even thou it falls under the SOL because by law the "can not" collect but still can report such negative items on my credit report for 7 years.

Thanks

[jjgross]

Originally Posted by Philly215

Hello,

I am looking for some assistance on what steps I should take next. I sent a DV to AFNI in reference to a Verizon (residential services) account. In response to my DV letters, I just received 2 letters from AFNI showing past due balances. One letter showed a past due bill from January 15th 2005 w/a balance of $126.00. The second letter, which was for different services, shows a balance of $159.00 from December 1st, 2005. Both of the letters included a photo copy of what I assume to be my last bill from Verizon beaking down all of the charges. Now before sending AFNI a DV letter, they sent me a letter asking me to pay $60.00 and they would consider the $126.00 payment as settled "paid in full". Now I know from reading serveral post this forum, settlement/"paid in full" doesn't help me not one bit. I am hoping to increase my credit score 20 or so point with in the next 60 days is possible. So my questions are:

(1) Do you think I should send them a PFD letter for both accounts and how much do you thik is fair?

(2) Do they still have the right to collect on the Jan 17th 2005 account since the SOL is 4 years for regular services (we have verizon for phone, internet, etc.) because it falls under goods and services (UCC SOL - 4 years).

(3) Would it still be wise to try a PFD even thou it falls under the SOL because by law the "can not" collect but still can report such negative items on my credit report for 7 years.

Thanks

If they agree to delete in writing by sending you a signed letter,on company letter head then yes,if not no!

[improving]

AFNI - is that a collection agency?

If so, I'd deal with Verizon directly and explain your situation, somehow it was misplaced, etc. and you will pay for the bill, but request deletion from cb's to do so. (and need that in writing).

Are you a current customer? (if so, I'd would think that would help)

[Philly215]

Yes AFNI is a CA & I tried to call Verizon directly and was advised that the account was sold to afni

[improving]

Are u a current customer of Verizon?

I would still call Verizon and ask to settle the debt with them. State you've never heard of AFNI and don't feel comfortable dealing with them. Don't pay the collection agency.

Try and pay it to get it deleted - but remember you need proof that they have agreed to delete it. It could be hard to get from them in writing (?), but it is certainly worth a try.

I hope someone else can jump in and post too that has some experience with a phone provider such as this!!! I would think many use Verizon.