lvnv funding llc
Usually negative items remain on your credit report for 7 years
Usually negative items remain on your credit report for 7 years from the date of your first default. After that it will automatically be removed from your credit report. If the same doesn???t happen, contact with the credit bureaus immediately and inform them about this matter. Look at this page to know more about LVNV Funding, LLC:
http://www.debtconsolidationcare.com/forums/lvnvfunding.html
i can't get your question. Have you paid off the account and clo
i can't get your question. Have you paid off the account and closed it? If yes, then the collection agency can't do this.
. In this case you may not be out of the 7 years yet. I would di
. In this case you may not be out of the 7 years yet. I would dispute it with the bueaus at this point regardledd
LVNV is on my credit report with the wrong delinquency date
It does not matter whether you paid it or not. Time is the factor here. You first fell behind in 2004. You count 7.5 years forward and all derog's related to the account should be removed. If they are not, send a written dispute to the reporting agencies certified mail return receipt. Copy the furnishers too if you like (LVNV, bank etc).
You suggest LVNV is reporting a different date. Often enough, this type of newer date reporting coincides with when they received the account, or some other date related benchmark.
If the matter is not straightened out on first attempt, write to the CFPB and tell your story with all the details. You can do this on the CFPB website consumerfinance.gov
