Afni-Bloom has also damaged my credit by reporting a debt from 1998! I knew nothing about this debt, and received no notification from them regarding this! I caught when I was applying for a mortgage- my scores dropped more than 30 points! The lender has required me to pay this ($1,200.00). I've disputed this with the Bureau's only to be told it meet FCRA standards. Now it will show as paid but remain on my report as a collection item! Is there anything I can do?