Before I post let me say this:
- Background Husband had two CA's with AFNI - we sent the below letter as a PFD- wanting to get it off his credit report- much to our surprise, after just sending this letter, they wrote back to us stating they couldn't verify the accounts, were closing them immediately and requesting the be removed from his CR. =)
- The Offer On both of these I offered 50% of what we owed as settlement.
- CMRRR? Some places said send everything CMRRR- however I was sending 12 letters at a time, and couldn't afford CMRRR on them all- or I wouldn't have been able to offer PFD and it would have been pointless. The only thing I send CMRRR is a DV letter- everything else just goes regular mail. So far, my only trouble has been with the CMRRR letter i sent being undeliverable and wasting my money. LOL
- Paper? Ink? Font? I know some of you are still over-thinking this- it's just printed on standard white printer, with black in from our printer. You don't need fancy fonts or hand written letter for this =)
- Email? NO DO NOT EMAIL COMPANIES- it has been my experience you get much much much further by actually sending a letter vs. an email.
- RED Items in red on the letter below are comments i'm adding now to give you direction, do not send these with your letter. LOL
I will copy what I used- but please anyone who is going to use this- CHANGE IT- don't use it word for word- i mashed a few examples i found on here together and put a spin of my own on it and this is what i sent:
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Afni, Inc.
PO Box 3427
Bloomington, IL 61702-3427
Re: Afni, Inc. Account #: 123456…. ACME Inc. We didn't have the account numbers- just first 6 digits CR gavve us that's why the .... placeholders- ACME INC, is the name of the OC ie: Charter, Qwest, Big Boy, etc....
To Whom It May Concern:
This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number, as I have never heard from you regarding this account. The account number I have is the one listed on my Experian credit report–which omits the last few digits.
In the spirit of compromise, I am willing to pay this account IN FULL if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.
If you agree to the terms and accept this agreement, certified funds for the settlement amount of eighty-eight dollars ($88.00) will be sent to Afni, Inc. in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.
Afni, Inc. agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, Afni, Inc. will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.
If you agree to the above terms, please prepare a letter on your company letterhead explicity agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of Afni, Inc. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.
Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.
Please address all correspondence regarding this account to:
FristName LastName
Address
City, State, Zip
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