How to Remove Afni Collections From Your Credit Report

Is Afni Collections hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Afni Collections?

Afni, Inc. aka Anderson Financial Network, Inc. is a collection agency located in Bloomington, Illinois. You may see Afni Collections listed on your credit report as a collections account. This can happen if you owe a creditor money and they’ve hired Afni to collect that money.

They may appear on your credit report as one of the following entries:

  • afni bloomington il
  • afni collections at&t
  • afni com
  • afni bloom collections
  • afni inc collections
  • afni inc
  • afni peoria il

Who does Afni Collections collect for?

Afni Collections has been in business since 1938 and handles collections for large companies like Verizon Wireless, Sprint, Comcast, T-Mobile, and others.

Is Afni Collections legit or a scam?

Afni Collections is a legitimate debt collection agency. They were most likely assigned your debt (or bought your debt) from one of the companies they work with. However, just because they are legit, doesn’t mean you actually owe them anything.

How can I remove Afni Collections from my credit report?

Afni collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Call Lexington Law now to learn more: (800) 220-0084

Afni, Inc. Contact Information


Afni Collections
404 Brock Dr
Bloomington, IL 61701

Mailing Address:

Afni Collections
PO Box 3097
Bloomington, IL 61702-3427


Phone number: (866) 352-0479

Note: All communications with a debt collection agency should be through the mail or through a third party like a lawyer or credit repair professional. It’s best not to talk to them on the phone.

Should I contact or pay Afni, Inc?

Nothing good can come from speaking to a collection agency on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The best way to deal with Afni Collections is to work with a credit repair professional. They delete millions of negative items every year from companies like Afni for millions of clients nationwide.

And they may be able to help you too.

Will Afni Collections sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the Afni Collections debt with the three credit bureaus and possibly get it removed from your credit report. It’s also quite possible that you may never hear from or have to deal with Afni Collections again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Afni Collections to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.

Is Afni Collections hurting my credit score?

Missed payments over several months will cause a hit to your credit score. With a collection account and possibly a charge-off from the original creditor on your credit report, it will reduce your ability to qualify for new credit even more.

Collection companies often buy and sell outstanding debt from one another, so this can lead to multiple collections showing on your consumer credit reports for the same account.

When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.

Afni, Inc Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Afni Collections does too.

Your Rights When Dealing with Afni Collections

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Afni Collections to report inaccurate or incomplete information on your credit report.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Afni Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Afni Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a collections agency both orally and in writing.
  • Afni Collections cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

Remove Afni Collections From Your Credit Report Today!

Lexington Law specializes in disputing Afni collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable credit repair company to help you with collection accounts and repair your credit, consider working with Lexington Law.

You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.

Afni Collections Removed

removed from TransUnion

Discount for Family Members, Couples, and Active Military

Lexington Law is now offering $50 off the initial set-up fee when you and your spouse or family members sign up together. The one-time $50.00 discount will be automatically applied to both you and your spouse’s first payment.

Active military members also qualify for a one-time $50 discount off the initial fee.

If you’re sick of having bad credit and ready to get the negative items removed, let the professionals take care of it for you.