SOL date oops?
Date: Thu, 02/19/2009 - 10:42
Hi, I just found this forum after I had just called Afini :(
Here is the situation. I was checking my credit report and came across something that is showing in collections with Afini. After calling Verizon and being routed to Afini I find out it is a charge from OCT 02 and they offered to settle. I don't remember the charge (and my phone still works). Anyway it was only for 233.03 and they agreed to settle for half. I wanted my credit cleaned up fast so I was going to pay but I told them I would call back. In the meantime I found this site and read about SOL's. I am in NY and this is scheduled to come off my report in March 09. Should I still pay or wait a month? And has me calling them renewed this debt on my credit? HELP
Here is the situation. I was checking my credit report and came across something that is showing in collections with Afini. After calling Verizon and being routed to Afini I find out it is a charge from OCT 02 and they offered to settle. I don't remember the charge (and my phone still works). Anyway it was only for 233.03 and they agreed to settle for half. I wanted my credit cleaned up fast so I was going to pay but I told them I would call back. In the meantime I found this site and read about SOL's. I am in NY and this is scheduled to come off my report in March 09. Should I still pay or wait a month? And has me calling them renewed this debt on my credit? HELP
You're past SOL based on what you stated and it can only be repo
You're past SOL based on what you stated and it can only be reported for 7 years + 180 days from when it defaulted. I'd wait and let it drop off. Send AFNI a FOAD letter.
thanks. I am assuming send it in the beginning of March? Will
thanks. I am assuming send it in the beginning of March? Will it automatically drop off my credit?
It should but if it's not off by the end of March, dispute it wi
It should but if it's not off by the end of March, dispute it with all 3 as "obsolete"