helpwithcleanup
Joined: 28 Apr 2009
helpwithcleanup's page
Posts: 4
152 Magic Points
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Subject: Verizon Charge Off - AFNI Inc.
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Sun May 03, 2009 11:02 pm
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Hello to all!
I am in the process of cleaning my credit report & I have a question about paying a OC or CA on a charge-off...My understanding is that when the OC charges-off your account, you can no longer pay the OC...Is this true?
I am now trying to plan my attack for this Verizon charge-off!!!
I don't know if I should send a PFD to AFNI and hope they except & then try to GW the crap out of Verizon & hope they will delete after I pay AFNI
Please help!!!!!...Don't know what to do
See below....This is my recent info from my EQ,TU, & EX credit reports (The account numbers are different between AFNI & Verizon, but I know its the same debt)
EQ Report-4/24/09
Verizon Nj
Status as of -Oct, 2008
Date opened-Feb, 2004
Date of last activity-Mar, 2005
Date closed-Not Reported
Account number-Not Reported
Loan type-Not Reported
Largest past balance-Not Reported
Terms-Not Reported
Account Type-Open Account
Account holder-Individual
Scheduled payment amount-$0
Descriptions
• Charged off account
• Account closed by credit grantor
Balance-$128
Current Status-Bad debt/collection
Past Due Amount-$128
Seven year payment history
30 days late-0 times
60 days late-0 times
90+ days late-1 time (Mar 2005)
Worst Delinquency-120+ days past due
Afni-Bloom
Status as of-Oct, 2008
Date opened-Not Reported
Date of last activity-Nov, 2004
Date closed-Not Reported
Account number-Not Reported
Loan type-Not Reported
Largest past balance-$116
Terms-Not Reported
Account Type-Open Account
Account holder-Individual
Scheduled payment amount-$0
Descriptions
• Collection account
Balance-$116
Current Status-120+ days past due
Past Due Amount-$116
Seven year payment history
30 days late-0 times
60 days late-0 times
90+ days late-0 times
TU Report-4/29/09
Verizon Nj
Status as of-Oct, 2008
Date opened-Feb, 2004
Date of last activity-Not Reported
Date paid out-Not Reported
Date closed-Sep, 2005
Account number XXXXX70
Loan type-Utility Company
Credit limit-Not Reported
Largest past balance-$0
Terms-Not Reported
Account Type-Open Account
Account holder-Individual Account
Scheduled payment amount-Not Reported
Descriptions - 0.Canceled by credit grantor
Contact Information
500 Technology Dr
Suite 300
Weldon Spring, MO 63304
Balance-$128
Current Status- Charged off as bad debt
Past Due Amount-$128
Seven year payment history
30 days late 0 times
60 days late 0 times
90+ days late 0 times
Worst Delinquency
None Reported
Afni-Bloom
Collection on debt to: 10 Verizon Inc
The collection agency "Afni" was hired to collect a debt of $116 originally owed to "10 Verizon Inc" on account number "XXXXXXXX56".
Collection Agency -Afni
Original balance-$116
Current balance-$116
Status-Not Reported
Date assigned-Jul 11, 2008
Date reported-Oct 19, 2008
Date last active-Not Reported
Date paid-Not Reported
Date closed -Not Reported
Original lender-10 Verizon Inc
Account number-XXXXXXXX56
Type of account-Not Reported
Account holder-Individual
Type of credit-Not Reported
Payment status-Not Reported
Largest past balance-Not Reported
Amount past due-Not Reported
Account descriptions-Not Reported
EX Report-4/09/09
Verizon Nj
Address: 500 TECHNOLOGY DR
WELDON SPRING, MO 63304
No phone number available
Account Number:XXXXX70
Status: Account charged off. $128 written off. $128 past due as of Oct 2008.
Status Details:This account is scheduled to continue on record until Dec 2011.
Date Opened:02/2004
Reported Since:12/2005
Date of Status:10/2008
Last Reported:10/2008
Type:Utility
Terms:1 Months
Monthly Payment:$0
Responsibility:Individual
Credit Limit/Original Amount:Unknown
High Balance:NA
Recent Balance:$128 as of 10/2008
Recent Payment:$0
Creditor's Statement: Account closed at credit grantor's request.
Account History:Charge Off as of Oct 2008
Collection as of Oct 2007, Oct 2006, Mar 2006, Dec 2005
Afni-Bloom
Account Number:20.........
Original Creditor:VERIZON INC.
Status: Collection account. $116 past due as of Oct 2008.
Status Details: This account is scheduled to continue on record until Aug 2011.
Date Opened:07/2008
Reported Since:10/2008
Date of Status:10/2008
Last Reported:10/2008
Type:Installment
Terms:1 Months
Monthly Payment:$0
Responsibility:Individual
Credit Limit/Original Amount:$116
High Balance:NA
Recent Balance:$116 as of 10/2008
Recent Payment:$0
Account History:
Collection as of Oct 2008 |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
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Mon May 04, 2009 10:50 am
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Hi Helpwithcleanup
If the original creditor charges off the debt and the debt is still with the OC, you can negotiate with the OC and pay off the debt. Now, if the OC still owns your account, you can also negotiate with him to remove the charge off listing from your credit file.
Before sending any PFD agreement, I think that you should get the debt validated. You can find sample debt validation letter by visiting the letters of credit section.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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