Afni Collections
Collection AgenciesAfni

Afni collections on your credit report?

Afni (also know as Anderson Financial Network and Afni Bloom) can be incredibly damaging to your credit. Collection accounts remain on your credit for 7 years.

Find out more about them and how they do business. We will also show you how you can get collections removed from your credit files legally and permanently.

Who is Afni?

Afni Inc. is a collection agency located in Bloomington, Illinois. It has been reported that they handle the collections for big companies like ATT Wireless, Verizon Wireless, Sprint, T-mobile, Comcast, Dish Network, Direct TV, CenturyLink, USAA, and State Farm Insurance.

Like other collection agencies, they have a reputation for using harsh tactics to get people to pay money they may not even owe.

Are there complaints against Afni?

Afni regularly gets complaints from consumers. They are known for a common practice among debt collectors known as “re-aging debt.”

When a collection agency re-ages a debt, they change the dates that are associated with when the debt occurred and when the debt was charged-off by the original creditor. By re-aging the debt, they hope to extend the statute of limitations on the validity of the debt.

One consumer noted that they changed dates on an outstanding account on their credit file when the statute of limitations had expired on a debt.

The consumer in question used their rights as outlined in the Fair Debt Collections Practices Act and sent debt validation letters to them, but they didn’t respond with any proof that the member owed the money. At that point, if they couldn’t verify the debt, they would have to stop contacting the consumer to collect.

Want to get Afni & other negative items removed from your credit report?

Call (800) 220-0084 for a Free Credit Consultation!

woman on phone

How can I contact Afni?

It’s better not to talk to them on the phone. You should do all of your communicating through the mail or through a 3rd party like a lawyer or credit repair company. But, if you insist, you can reach a customer service representative at the number below.


PO Box 3427
Bloomington, IL 61702-3427

Phone number: 1-877-403-0670

Fax: (309)-828-0931

How to deal with Afni collection agency?

If this sounds familiar, you should not pay anything to Afni until you establish a few facts and try a couple of alternatives to paying the full amount that they say you owe. You should have them validate that the debt is yours.

They aren’t interested if there is a case of mistaken identity if you are willing to pay. Even if the debt is yours, the statute of limitations may have expired, so they have no legal recourse to collect.

If you have a reason to believe that the debt is expired and you are contacted by the collection agency about an old account, send them an Expired SOL Notification letter.

This will let them know that they are dealing with an informed consumer and that threatening to sue you for the money owed won’t work.

What happens if they refuse to validate the debt?

In some extreme cases, people have reported that Afni has refused to validate a debt. If this happens to you, you have to seek legal recourse through the State Attorney General. That should get their attention.

If you have sent a debt validation letter and they continue to contact you about the debt before they respond to the verification request, it is a clear sign they are violating the law and aren’t going to listen unless you bring government authorities into the mix.

How to Dispute Afni Collections

This isn’t unique to Afni collection agency, but we found that they have issues with keeping paperwork in order, which can lead to reporting incorrect items to your credit history.

When they buy debt from other collection agencies or an original creditor, there isn’t always a perfect record of all the accurate details about the debt.

Clerical errors or an improperly merged database can lead to credit reporting errors to the credit bureaus. When it comes to keeping your credit history timely and accurate, you are the only one that you can count on.

How can I delete Afni from my credit report?

If you’re tired of dealing with debt collectors like Afni and their constant harassment, give Lexington Law a call.

They help clients challenge unfairly reported and inaccurate items on my reports and make sure it’s done effectively.

Call Now!

Call Lexington Law at 1 (800) 220-0084 and speak to a paralegal who will be understanding of your situation. They can answer any questions you have and help you get signed up and started immediately.

The sooner you get your credit repaired, the better off you will be financially. Below is an image of some of the results that clients started seeing about 30 days after signing up with them.

Afni Removed

removed from TransUnion

This client’s credit scores have dramatically improved since there are no longer any negative accounts on her credit reports.

my scores

For over 28 years, Lexington Law has provided professional credit repair services and support to hundreds of thousands of people. You owe it to yourself to at least check it out!

What Others Are Saying

“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything you are doing for me and please pass on to your staff my appreciation for all of their hard work.”

– T.B., Lexington client

“I am more than happy with what you’ve been able to accomplish. When I started this, my credit score was 480, and I had several errors on my report (including two charge-offs).

My score is now 684 and I just bought a truck at a favorable interest rate. The bank now shows my internal score with them to be 782 out of 800. That’s what I call results!”

– S., Lexington client

Discount for Family Members, Couples, and Active Military!

They are 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.

Want to Remove Afni from Your Credit Report?

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Call for a Free Consultation:
(800) 220-0084

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List of Debt Collection Agencies

Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.