LVNV Funding LLC: What to do if you find them on your credit report

lvnv is a debt buyer that buys debts after the credit card company has written it off due to valid defenses to the debt such as identity theft.

Should I be worried about the law firm? What if LVNV never sent me the info I request in the DV letter after 30 days. At this point should I get a lawyer?

A lawyer's advice will always be helpful. As the collection agency hasn't validated your debt by now, send a follow up letter requesting for the same info and place a dispute with the credit bureau that is placing the item in your file.

i got teh same co as my debt collector .they have taken me to court on teh 28th of this month at my local magistrate for a judgement..i do plan on goin even though i havent had teh debt validated as i did not know about dv until recently and what it is all about. i alos checked my cr and it has them listed on there as a revolving account and opened in 2004.. my original creditor iss till on my report also listed as chrge off and sold to other lender .. not sure exactly but seems to me that lnv has reaged my account wich i think is not legal to do.. does any1 know if that is correct?

ok 1 more ?.. sorry to b such a pain.i called my magistrate to put in a defense.. i have recently found out that my debt is not out of sol yet.. short by about 9 months..but i never had my debt validated as of yet with this company or teh attourneys reperesenting them.. i am goin to send out a dv letter today.. i know tehy may be able to validate but i wasnt aware ubtil today from talkin ot my local mag office that even if i showed up and they didnt i would still get a default judgement against me since i did not put in that i was gonna defend myself.. did i dothe right thing or am i gonna make them madder by doin this?. i am not some deadbeat trying to get out of this just came upon hard times awhile back and the attourney for thsi co would not work with me in anyway. thnx for any advice in advance

I am in the process of buying a house. A credit report was pulled and I was able to take care of some outstanding bills. Now a couple of weeks before closing, another credit report is pulled and LVNV appears. They have in collection an old telephone bill that was in dispute. I never heard from the company and really forgot that I was disputing the bill. Do I have to pay the bill to get it off my account and hopefully not jeopardise the deal?

If you have all your documentaton, tell the loan officer. You know can write a brief explanation of why it isn't paid and if you show your documentation it should not be a problem. Kind of like when you have a 60 day late payment and you go for a mortgage and they ask you to explain why you were late. And you just say it must have been an oversight and they accept that. The lender has to have all their ducks in a row, which is why they ask you to write these silly liite explanations. Why not ask you loan officer?

Is this debt still in the SOL period? I would find that out,also. Sending a dv letter to them is your legal rights under the fdcpa reg. I would do this ASAP. But don't be surprised,I am still waitng for a dv letter from LVNV.Good Luck to you...Karen

Where can I find about Statute of Limitations?

I am being sued by this company,apperantly they purchased a charge off that was deleted out of my credit in 1994 from Household bank, and now they are claiming that I owe them. I do not even know this company...can any one help? or has anyone had a similar problem?? thatnks

Yes hi,
Lvnv funding llc came up on my credit report but no address or phone number to call or write. How do i go about finding out who and why this company came out on my credit report. How can i find out what they are chargeing me for?
Thank you,
Paloma chavez

I am only 10 should I get a credit card

I just recently looked at my credit report and they are reporting 5000 plus dollar debt i have no clue what that is and who they are ?

They are a fraud. They put things on your credit report and try to get you to pay a debt you do not owe. Go search the internet for them. The newest one they are using is where they say you owe money for a bill to MCI.

I had an account with them. They are awesome to work with. I owed them a couple of hundred bucks and they gave me a credit card to cover the debt which permitted the old debt to show up paid on my credit report. The new credit card only had the credit line for my amount of debt to a Visa. That gave me the opportunity to pay off the debt and the new credit card payment gave me the opportunity to renew my credit. It is an innovative new program designed o give folks a second chance and keep you from having to come up with one lump sum. I did that and paid off the new credit card. I then balance transferred another debt onto the credit card an ddid the same thing. All the time I was making payments on the new Visa and rebuilding my credit. It worked great. In 4 mnths I went from a FICO of 480 to 600.

Rachel D, if you are only 10 years old, why on earth would you need a credit card? Do you have a job? Would you be able to pay back what you would owe? Why don't you ask your parents if they think you should have one? Something tells me they would say NO! You will have plenty of opportunity to get a credit card when you are old enough and responsible enough. Enjoy being a kid! Go ride your bike or go fishing, do something that a kid should be doing and leave the credit cards alone.