2004 the account is for verizon and the agency is AFNI.At first I didnt even remember having a verizon account but my husband said we had it but is was like 1997 or 98 but when we moved out of state it was all paid.I just dont get it after all these years no letter or phones calls then out of the blue when we are in the middle of buying a house it pops on the credit report.Is there anything we ...