If DNF Associates, LLC is showing up on your credit report, it typically means a debt has been sold or assigned to them for collection. Here’s what that means for your credit—and how to work toward getting it removed.
Who Is DNF Associates, LLC?
DNF Associates, also known as Diverse Funding Associates, LLC, is a debt collection agency and debt buyer based in Getzville, New York. They purchase delinquent accounts from creditors and then attempt to collect the amount owed.
If your account has been sold to DNF Associates, it may appear as a collection account on your credit report.
Who Does DNF Associates Collect For?
DNF Associates specializes in purchasing and collecting old debts, primarily from:
- Banks
- Credit card companies
Once a debt is sold to them, they become the legal owner of the account and pursue repayment directly.
Is DNF Associates a Scam?
DNF Associates, LLC is a legitimate debt collection company. They are authorized to collect debts for themselves or on behalf of other businesses. That said, always verify the details of the debt before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove DNF Associates From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to address them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You can ask DNF Associates to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies may agree to remove the account if you settle the debt. Always get this agreement in writing.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay DNF Associates?
Before contacting them or making payments, confirm the debt is valid and within the statute of limitations. Making payments on old debts can sometimes restart the reporting period and further impact your credit.
Many people prefer to work with credit repair professionals to avoid mistakes when dealing with collection accounts.
Can DNF Associates Sue or Garnish Wages?
Debt collectors like DNF Associates can sue to recover unpaid debts. If they win a court judgment, they may be allowed to garnish wages or levy bank accounts, depending on your state’s laws.
That said, legal action is often a last resort. Most collection agencies try to resolve debts through settlements or payment plans before pursuing lawsuits.
DNF Associates Contact Information
Address:
Diverse Funding Associates, LLC
2351 N Forest Road, Suite 110
Getzville, NY 14068
Phone: (716) 393-5081
Complaints About DNF Associates
Many collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With DNF Associates Collections
Dealing with collection accounts can be overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
