AFNI sent me to collection. My credit score went from 780 to 595 and guess how i figured that out? I applied for a mortgage...Never late on a payment, what happened is that i lived in a house with many roomates. i moved out, cancelled the service, they never did, my ex roomates continued to use the service...This was their mistake for not cancelling the service, i contacted Verizon to have it cancelled. This happened in 2001, we are early 2009 and they ruined my credit and all the projects i have, i am so deceived and disgusted... read full review »