tchris

I haven't checked m reports in 4 mos.- lost job and was late on things. I checked my crs and thankfully have no lates reporting yet- but.... My Equifax file only shows 6 accounts instead of the 40 that were there. Can you have a split file if I haven't been checking it daily? Where can I apply that will only pull EQ. I tried appling at Citi but they contrary to credit pulls grabbed TU instead.

During the Super Bowl. That has to be a violation somewhere- its just flat out un-American!

Were the lates continuous? I had the same issue and they initally partially rejected my goodwill letter. They removed the spot lates, but I had a string of like 5 30 days in a row, which they would not remove. I did the 1-2 punch and after about a year of trying they went away. It was relatively painless. The only drawback was I lost alot of age, but the 9 lates were killing me.

Its been two weeks and the Collection is gone from TU, but still remains on Experian. MCM wrote me back and stated the account number and the last 4 of my SS line up- so its my account. I expect for them to do something soon. I still have about 3 mos. before this is out of SOL. I have thought about contacting Verizon again and letting them know that the amount they say I owe is weong and I will pay them a reasonable amount and for them to remove this thing from my CR. My attempts to do that previously were denied. They are oneof two baddies I have and I would be rolling into the 700 club!

I copied them in on my letters and sent copies of my CMRRR cards and told them I would be suing them since AFNI was their agent. I never heard anything back from them. I am convinced that writing Travelers Casualty was the straw that showed I was serious- I am a Tex. resident so that may have helped. I used the BBB in Illinois. It might not hurt to address correspondence directly to the department listed in their response to the BBB.

Thanks! My biggest mistake was not being perisitent. I would write and then let it drop for a few months, etc. This time I stayed on it for 30 days- straight monitoring everything. It was empowering to show that I was serious. I am glad they are gone...Next stop Verizon! The sad part is I am willing to pay, but they would rather have the notation on my CR than my money!

After a year I finally got aggressive with AFNI. I sent correspondence to the BBB, Travelers Insurance (they have the Bond in Texas) and threatened Dish Network, the OC. I was ready to file suit after I got the green card back 3 days ago. This morning, I received this from the following from the BBB (although I am shocked at the date it was dated and the fact I have not received an actual letter from this, but this just provides more evidence of their admitted error: Via electronic mail April 7, 2008 Nancy Poe Dispute Resolution Specialist Better Business Bureau bbb@heart.net RE: CASE#: deleted for privacy Afni, Inc Account Dear Ms. Poe: This is in response to your letter to Afni, Inc., regarding the above referenced matter. It is Afni's desire to work with consumers to assist them in resolving the questions and concerns that they may have about their accounts. In that regard, Afni has closed the account and notification will be sent directly to Mr. . Should the consumer require further information, he is welcome to contact a representative at 866.857.7209. Thank you for your assistance in this matter. Sincerely, Amy Acree Compliance Associate Afni, Inc.404 Brock Drive Bloomington, IL 61701 I only have a Verizon CO ($1200) on Ex and a charge-off from HSBC (short sale on my property) EQ left to deal with. The HSBC charge-off is only 3 years old, so I am walking softly for another year! Honestly, B/f CB I resigned myself to living on a "cash basis". SInce BB I bought a house at high interest rates and have more available credit than I had before my divorce when my credit was "good". I hope to be above 660 across the board so I can refinance my (7.5 and 13% 2nd mtg.) I think if I can get Verizon off I will be there!

I know this topic may have died, but has anyone ever combined cards into the platinum Juny. I have an ED and Plat. and would love to combine. I am about to pay off the ED Card tommorrow, will that help if it has a zero balance? I am trying to eventually get an Ameriprise card through Juny, so I would like to get down to 1 Juny acct. until I can get my scores up a tad.

Thanks Centex- perhaps it best to sit back and wait. I just have not had a clean TU report since I started this process 2 years ago. It is amazing how much we base decisions on what adverse action Juny or Amex might take- I will be happy when I have limits high enough to get rid of those guys!

Verizon Wireless miraculoulsy disappeared from my TU report. For the time being, I have a clean TU report with only two inquires. Although my utilization is pretty high. I have a Juniper Platinum Card which is 90% utilized (BT) and a Emigrant Direct card, with a 50% utilization. Should I apply for another Juniper Product or something else. My Fico is around 602 before the acticely updated collection from Verion was removed. My FAKO shows 649, it was 609 before the deletion. I checked Credit Pulls but did not see anything other Juniper stuff for TU. ANy suggestions or should I play it cool and wait until my utlization is down. I just want a good BT option.

Good Job! I feel the same way sometimes, but just keep the faith. Getting those clowns off of your back is huge. I am fighting MCM (Verizon Wireless) and AFNI (totally bogus account!)- so your victory gives me faith!

A weird update/fluke I sent MCM a letter stating this is not my debt, I am seeking validation in accordance with the Texas Finance Code, etc. letter. I faxed it and sent by CMRRR. I looked at my CR this morning and noticed that Verizon Wireless is gone from TU. It has never appeared on Equifax, so ist just stuck on EXP. Does Verizon remove the TL when they sell to a CA? Or is this a Transunion glitch? Theories?

Congrats! Now if we can get rid of Verizon!

OK Stryker- I will search again, I didn't see much new ground when I tried earlier. I would be close to 700 if it wasn't for these guys!

Keep me in the loop. Its hard to believe they are so willing to walk away from money- Anybody know about this MCM outfit?