Collection Agencies and Creditors

LVNV funding LLC purchases charged-off a/c from creditors

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Posted: Sat Apr 01, 2006 10:22 am Post subject: LVNV Funding

I too just found them on my credit report. Since I have not recieved anything from them it was quite a shock. What are the federal laws concerning the 7 year statues? You had mentioned something about activity on the account. Activity by whom? Thank- you for any imput you can give me...Chell _________________ Register today to encash debtcc points.

Chell
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Posted: Sat Apr 01, 2006 12:43 pm Post subject:

DOL: date of last activity is the date when you made the last payment for this account SOL clock starts from this date. Every state has its specific statutes of limitation. So you have to check when the account will be declared uncollectible legally. You can check this thread also- http://www.debtconsolidationcare.com/forums/sol-info.html

curlycarl
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Joined: 21 Jan 2005
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Posted: Sun Apr 02, 2006 6:10 am Post subject: Credit Dispute

To Whom it May Concern, My credit rating was negatively affected by your entry to the 3 National Credit Bureaus. My dispute with you is that I didn't have a account with Sears in 2003. This is false information reported on my account. The account ifformation that I recieved is: Date opened - 06/2003 Account # - xxxxxxxxx Type - Installment Credit Limit - $2,584 This has to be someone else's account, because I haven't dealt with Sears in over 15 years. Please check this out and remove it from my credit reports. You can contact me at: P.S. I don't want to take any legal actions on this, however; I need a reply this week. Thank-you, John A. Bost, Sr. The last 4-digits of my SS: xxxx Your account #, home phone & address and your SS # deleted for your safety-Mike _________________ Register today to encash debtcc points.

John A. Bost, Sr.
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Posted: Mon Apr 03, 2006 12:09 pm Post subject:

John, you have to send this letter to the credit bureaus through certified mail with return receipt requested. Otherwise it won't work. Hope you understand. Also do not disclose your personal information in any open forum; any one can use it fraudulently. Thanks Mike for helping John protect his privacy.

curlycarl
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Joined: 21 Jan 2005
Posts: 630

Debtcc Points: 12073

Posted: Tue Apr 04, 2006 3:21 pm Post subject: Question

Hello! I just received a settlement offer from LVNV funding LLC and the addresses you listed does not even come close to what they have for me...I have FMS INC PO Box 707600 Tulsa, OK 74170-7600.. And i really don't know where the debt is coming from..And also is there an email for them cause I am in the military and stationed in IRAQ.. _________________ Register today to encash debtcc points.

Josh Miller
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Posted: Tue Apr 04, 2006 3:39 pm Post subject:

Hi Josh, Thanks for updating the address. You can search for them with BBB website to get a correct email address. However, as you have their address, send them letters too because snail mails are good for evidence. _________________ Read my thoughts about Debt and Credit.

stanley
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stanley

Joined: 30 Sep 2005
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Posted: Sat May 13, 2006 10:26 am Post subject: lvnv

I notice the same thing. Did you get any resolution _________________ Register today to encash debtcc points.

joltingjoeman@aol.com
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Posted: Mon May 22, 2006 8:43 am Post subject: lvnv

i just found this on my credit report. i have never heard of them. its always something!

kathym
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Debtcc Points: 100

Posted: Mon May 22, 2006 3:56 pm Post subject:

Hi kathym The number to reach LVNV Funding is 888-665-0374. Ask them about the account for which they have hit your file. The company should give you the details of the debt in writing. If they do not respond to your request, highlight the item and dispute with the bureau. They will investigate the matter with the CA and if your dispute is correct, the item will be removed from your file. Don't let LVNV Funding hurt your file for wrong reasons.

Gretchin
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Joined: 18 Feb 2006
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Posted: Wed May 24, 2006 6:01 am Post subject: LVNV Funding Co.

This company showed up on my credit report also. I tried calling the number they provided and it turned out to be someone home phone. I was contacting them to set up a re-payment arrangement but can't get through to them. The phone number that they have listed is 866-464-1183, tha address is PO Box 10497 Greenvilli, SC 29603-0584

TonyaevettePatterson
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Posted: Wed May 31, 2006 6:15 pm Post subject: LVNV

ON MY CREDIT REPORT IT JUST SAYS LVNV FUNDING I WONDER IF ITS THE SAME THING

AMY.HRDLICKA
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Posted: Wed May 31, 2006 6:17 pm Post subject: LVNV FUNDING

Has anyone had any luck finding out the right number

AMY.HRDLICKA
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Posted: Wed May 31, 2006 6:28 pm Post subject:

The contact number of LVNV Funding is 888.665.0374 I assume you have this company reporting in your credit file. Call them and inquire about the account. If the company fails verification, dispute with the bureaus and get the item removed from your file. Inaccurate collections hurt your credit file severely and lower down the scores. Ensure that your credit is being reported with accurate information.

Gretchin
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Joined: 18 Feb 2006
Posts: 498

Debtcc Points: 8504

Posted: Thu Jun 01, 2006 12:22 pm Post subject:

Can some one tell me if you have seen this on your CR, My credit is with Providian and they charged it off it is also 7yrs old, and sold it to LVNV, But on my credit report LVNV showes in as a new charge with an open date of 3/2004. I have never seen any other colletion co. report a collection account in this manner. But because LVNV is doing this my credit score is lower. I called them to try to settle it. they said I had to give them a post dated check over the phone so that the settlement they were offering would be valid, When I told I would not give them a check because I did not have the money in the bank they didn't care they just wanted the check. When I refused to do it that way and asked for an offer letter first, he said the offer of off and I had to pay the full amount and he got rude, and hung up on me. So how do I prove that is charge is over 7yr and get them to take it off the CR.

Mel
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Debtcc Points: 100

Posted: Thu Jun 01, 2006 1:26 pm Post subject:

Request in writing CMRRR for a validation of the debt, also contact the CRA's and inform them that you are disputing the debt. The date would be of the last activity on the account, not the beginning of the date of delinquincy.

phonguy

Joined: 01 Jun 2006
Posts: 42

Debtcc Points: 1114

Posted: Thu Jun 01, 2006 1:48 pm Post subject:

Mel, dispute this account with the CRA reporting it. The account should appear in your file for seven years starting from the date of first delinquency. If the account is past this period, LVNV cannot re-enter it in your file. Under the FCRA laws, it is violation of the consumer protection act (Section 605) if a company or a credit bureau tries to reage the accounts and keep negative information for longer period. You can actually repair your credit by suing them up to $1000 for each violation.