Our content is free because we earn a commission when you click or make a purchase from links on our site. Learn more about how we make money.


AFNI Collections: How To Get AFNI Off Your Credit Report

AFNI Collections is a collection agency with global reach and it has U.S. branches in Kentucky, Illinois, Arizona, and Alabama.

If you’re getting pestered by calls or letters from this well-known agency, you should know that this company is very well-organized. It has a large infrastructure and plenty of collection officers on its payroll.

This means that the calls and letters are very likely to continue, unless you take action and do something about it.

Begin the Process to Remove AFNI Collections From Your Credit Report

afni collections

A lot of collection agencies operate under the principle that the consumers that they write to and call on the phone have no idea what their rights are.

In other words, they sometimes trample on these rights! There are rules which dictate how a collection agency may interact with you.

The rules are found in the Fair Debt Collection Practices Act.

There is a long list of rules that collection agencies have to follow, but it basically boils down to:

Collectors are not permitted to harass you. It’s against the law.

Now that you know your rights, you have to let AFNI Collections representatives know that you do understand these important rights.

So, the first step is writing the company a letter which states that you know your rights under the FDCPA and that you wish to have only written communications with them in the future.

If the company calls you, tell the person on the other end that you want written communication only and that the company is not permitted to contact you when you’re at work.

However, you should still write the letter and there will be more to add to this letter in Step Two. The rationale behind writing the letter is to stop the calls and to create a paper trail.

On the phone, you may be promised things which the company doesn’t follow through on. The company won’t be able to get away with this when you correspond via snail mail.

Asking for written communication only is always in your best interest.

Ask for Validation of Your Debt

Under the stipulations of the Fair Debt Collections Practices Act, collectors must prove to you that the debt is actually yours if you request that they do so.

In the first paragraph of your letter, you asked for written communication only. In the next paragraph, you should request the validation of your debt.

The company will then need to provide you with information that validates the debt.

If it can’t, it won’t be able to bother you anymore and it will also have to remove the negative credit entry from your credit report.

Collection agencies like AFNI make money by purchasing consumer debt cheap. They generally pay a lot less than the actual debt amount.

Then, they collect the debt amount and make money. In many cases, the collection companies don’t get full details about the debts that they buy.

This means that AFNI Collections may not have full details about your debt. The company may not be able to prove it’s yours.

So, send this letter, which is called a Debt Validation Letter and then wait for a letter back. When you receive the response, go over the information that has been provided to you.

Are any details wrong? Is any important information missing?

You will need to send this letter within thirty days of initial contact with AFNI Collections. There is a deadline, so take action immediately.

If you find problems, it will be time to dispute the credit entry via the “big three” credit bureaus. They are Experian, TransUnion, and Equifax.

Contact these companies by letter and include information about the dispute that you’re opening. The credit bureaus will have thirty days to look into the matter.

If disputing the entry doesn’t work out (probably, because you really do owe the money), you can still take steps to get AFNI removed from your credit report.

Agree to Pay Part of What You Owe

If the debt was validated, you’ll need to pay something in order to get the negative credit entry removed. You can call the collection agency and try to negotiate.

Just make sure that the results of your conversation are backed up in writing. Make a note of everything discussed on the phone.

Ask the company to send you a letter detailing the agreement. Some companies agree to take less money.

Others want the full amount. Offering to pay half is always worth a try.

Just make sure that part of the deal is that if you pay them, they will agree to remove the entry from your credit report.

This is especially important because by paying, you’re re-starting the statute of limitations on your debt, meaning you’re giving AFNI more time to seek legal recourse against you.

If your payment doesn’t satisfy the debt entirely, you could be helping ANFI by re-setting the statute of limitations.

If the company agrees to this sort of deal and provides written backup which confirms the deal, write the firm a check and send it, along with a letter that confirms the details of the payment agreement, including the stipulation that the credit entry be removed after it’s been paid.

Never grant AFNI Collections access to your bank account.

After 30 days pass, get a copy of your credit report and make sure the entry has been removed. If it hasn’t, contact them again and remind them of the deal you made.

Why Do I Owe AFNI Money?

AFNI is an old and successful collections agency which got its start in Bloomington, Ill., back in the 1930s.

The company works with some of the biggest corporations in the world, including Verizon, AT&T, and DirectTV and leading Cable TV providers.

If you start getting bills from AFNI, it’s possible you owed money to one of AFNI’s clients. If that client — let’s use Verizon as an example — sells your debt to AFNI, this agency will then start trying to collect your debt.

As I said above, you may not actually owe the money. Occasionally, AFNI gets bad information from one of its clients which implicates you incorrectly. That’s why you should first validate the debt first.

How Can AFNI Collect On the Debt?

Unless you can invalidate the debt AFNI is trying to collect, the agency has several methods it can use as it tries to collect money from you:

  • Phone Calls: AFNI has the right to call you on the phone number you had on record as associated with the original debt. You have the right to request AFNI use a different phone number and the company must honor your request. And, of course, you have the right not to answer the calls.
  • Letters: AFNI can send letters requesting payment. They cannot send unsealed postcards because of privacy concerns.
  • Legal Action: AFNI could sue you in civil court seeking a garnishment of your wages as repayment for the debt. You should always respond to a lawsuit to defend yourself. Contact a lawyer if this happens. In some cases, the statute of limitations on your debt will have passed, meaning the lawsuit could be dismissed immediately.

How AFNI Cannot Collect On the Debt

While AFNI can sue you, call you, and send letters, the federal Fair Credit Reporting Act prevents the company from taking action such as:

  • Threatening Criminal Action: The company can’t have you arrested and prosecuted under criminal law as a way to persuade you to pay.
  • Threatening Physical Violence: The company can’t threaten to harm you or your family and friends either.
  • Harassing Contact: The company can’t call you in the middle of the night or early in the morning. The company must honor your request not to be called at work.
  • Shaming: The company can’t discuss your debt with your employer or anyone else or threaten to publish your name on a list of debtors.
  • Demand Others’ Debts: The company can’t demand you to pay someone else’s debts, including a deceased relative’s debts.
  • Bypass Your Attorney: If you’ve hired a lawyer and informed AFNI, the company must call your lawyer and not you about the debt.
  • Lie or Misrepresent: The company can’t lie about the status of your debt or the effects of your payment. Getting your agreements in writing is a must. That way you can prove misrepresentation if necessary.
  • Threaten to Increase What You Owe: A credit agency can’t add interest or fees on your balance if you don’t pay.

Your state may have additional protections for consumers.

Do You Need Help With This?

Lastly, if you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair.

They’ll take care of you, and honestly, they usually get stuff removed a lot quicker. Give them a call at 1-844-764-9809 or Check out their website.


What is AFNI Collection?

AFNI Collections is a collection agency with global reach and it has U.S. branches in Kentucky, Illinois, Arizona, and Alabama. AFNI has been in business since 1936.

Is AFNI a legitimate company?

AFNI is legit. They are a collection agency that employs over 6,000 individuals. They are a debt collection agency that began in 1936 and work with big-name companies in insurance, healthcare, satellite/cable services, and telecommunications.

AFNI collections phone number?

(866) 352-0479



Meet the Experts

BetterCreditBlog.org’s staff of editorial writers have spent hundreds of hours conducting research, interviewing industry experts, and reviewing the products and services out there to help inform and educate our readers.

Learn More About Our Team