Hi,
I posted in one of the forum/topics under LVNV, but still ended up being stuck. To make the story short, I was denied in being able to rent an apartment (parents trying to get me and my family and brother out of the house now that I started working again) due to screening my background and finding one collection in both my TransUnion & Experian credit reports by LVNV for $3003, with a credit limit of $2208.
I tried to talk to my friend, who works in the mortgage business, about it, and although he tried to explain it to me the best way possible, I still don't understand it.