I pulled my credit from True Credit and found my Trans Union score to be 30 points higher than it was a couple weeks ago!
Following is the letter that I used to conduct an investigation of three items on my credit report that were listed as in collections from a collection agency so I really [...]

Afni is a collection agency that holds some mysterious debt that they only referenced with a dollar amount and some abbreviated name that represents some company that I never heard of. I sent them THREE letters asking for validation of the debt they were reporting, and they ignored all but the last one which [...]