These collection companies see that you are paying off your debt and they just start coming out of the wood work.  I finally had everything off my credit report and getting my debt paid down, then both Express Recovery Services and AFNI Collections show up on my credit report.  Express for some old medical bills and AFNI for an old business phone bill that was forever ago.

So this sent my score down to 600 again.  Boy was I mad.  I negotiated with AFNI to pay them off and they would remove the...
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