who is afni and why are they calling me?

Afni Collections is a legitimate, long-standing company that helps large clients collect outstanding debt. If you think that the collection inquiry on your account is a mistake, you can contact Afni directly to file your complaints.

Afni is a global team of people passionate about helping brands develop meaningful and profitable relationships with their customers. It's what we do and why we're here.

It was in 1936 when we got our start as a consumer collections agency in Bloomington, Illinois. Today, we're so much more. Our channel strategies and customer lifecycle solutions give our clients different ways to connect with their customers for many reasons. Our contact center teams know what it takes to get the results your business needs. We're ready to prove it to you.

When you work with us:

Our clients trust us with their customer relationships. We're happy to earn that trust every day.

We love solving problems and helping our clients get the best performance possible. In fact, we outperform our competitors all the time on the metrics that matter most. When you need a partner to manage the customer lifecycle to your competitive advantage, we are ready.

We've built our business on performance and ideas. When our clients bring us new challenges and ideas, we get right to work. We're their go-to company to pilot new programs and test new technologies to see what works best.

But we don't stop there. When we think about your business all the time, good ideas emerge that help you get better. Our ideas have helped our clients sell more, collect more, and generally get more value from their customer interactions.

Big companies hire Afni Collections to help track down outstanding debt on their behalf. Afni’s clients tend to include large businesses such as telecommunications companies, satellite/cable companies, healthcare providers and insurance companies.

If you’ve noticed Afni Collections on your credit report or if the company has started contacting you, it’s likely trying to recover debt on behalf of one of its clients.

Debt collection agencies like Afni can end up on your credit reports when your original creditor has sold your unpaid debt to them or when they’re collecting on behalf of their clients. If you’re looking for this on your credit reports, you’ll most likely see it listed as an account in collections.

You should always independently verify your debt when a debt collection agency contacts you. Get information about the debt in writing from the debt collector and make sure you know your rights under the Fair Debt Collection Practices Act.

Afni Collections is a legitimate, long-standing company that helps large clients collect outstanding debt. If you think that the collection inquiry on your account is a mistake, you can contact Afni directly to file your complaints.

If the debt Afni contacts you about is valid, Afni will notify the credit bureaus as you make payments. Once the account is paid off and closed, Afni will request that the credit agencies remove the account from your report altogether. But it’s worth noting that even if you pay off the debt, it may still appear on your credit report for up to seven years —under the Fair Credit Reporting Act, accounts in collection may remain on your credit report for up to seven years.

But if the debt isn’t legitimate, make sure to act quickly and reach out to the credit bureaus to dispute the debt.

The credit bureaus are required to investigate disputes and forward information about errors to the debt collector, which will have to notify all three of the major consumer credit bureaus (Equifax, Experian and TransUnion) about any information it determines is inaccurate.

Having an account show up in collections on your credit reports can be alarming. It can take time for your credit to recover, but there are steps you can take to work on rebuilding your credit.

But if the account in collections is not valid, start with disputing the inaccuracy and then monitor your credit reports for any other inaccuracies — it’s possible that you’re facing a case of identity theft. You can access your credit reports from all three major consumer credit bureaus for free at annualcreditreport.com once a year, and possibly more under certain circumstances (such as if you believe you’ve been a victim of fraud).

• Know Your Rights. The Fair Debt Collection Practices Act (FDCPA) spells out the rights of debtors and the obligations of debt collectors.
• Validate and Verify the Debt.
• Stop Calls from AFNI Collections NOW.
• Contest the Debt With the Credit Bureaus.
• Settle With A Pay For Delete Agreement.