Afni Collections


Is Afni Collections hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Afni Collections?

Afni Collections is a debt collection agency that is a subsidiary of Afni, Inc., also known as Anderson Financial Network, Inc. They are based in Bloomington, Illinois, and are responsible for collecting past due accounts on behalf of various creditors.

You may see Afni Collections listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Is Afni Collections on my credit report?

Afni Collections 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 serves a variety of large corporations across industries. They are known to handle collections for major telecommunications and cable companies such as Verizon Wireless, Sprint, Comcast, and T-Mobile, among others.

They also work with credit card companies and healthcare providers.

Is Afni Collections legit or a scam?

Afni Collections is a legitimate company. They are registered and licensed to operate in the debt collection industry. However, as with any collections agency, their methods can sometimes be aggressive. This may involve frequent and repetitive calls, texts, or emails in their attempt to recover the debt.

How can I remove Afni Collections from my credit report?

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.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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 company 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?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Afni Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Afni on behalf of their clients.

Will Afni Collections sue me or garnish my wages?

As a debt collection agency, Afni Collections is legally entitled to sue you to collect the debt you owe. If they win the lawsuit, they may receive a judgment against you which could allow them to garnish your wages or seize certain assets, depending on your state’s laws.

However, before reaching this stage, the agency must provide ample proof that you owe the debt in question, and you would have the opportunity to dispute the debt or negotiate a repayment plan.

It’s important to note that wage garnishment is usually considered a last resort after all other methods of debt collection have failed, and it requires court approval. The process and rules surrounding wage garnishment vary by state, so the specific regulations in your state may affect the likelihood of wage garnishment.

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 a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Afni Collections

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 about you.
  • 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 outstanding 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 debt collection agency both orally and in writing.
  • Afni Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Afni Collections From Your Credit Report Today!

Credit Saint can assist you in disputing Afni collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re struggling with bad credit and want to learn more, consider a free credit consultation with Credit Saint.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Afni Collections Removed

removed from TransUnion

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Meet the author

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