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@ERL55 wrote:Thank you so much for the info. One more question: The account that I had which was turned over to LVNV still has a balance due of 400.00. Should I pay them first and THEN send the letter to the BBB? Or contact the OC and try to pay? Send the letter to the BBB first? I do owe the money to somebody. What do you recommend as to the order of doing things? Thank you again for your help.
My situation was different. I had no prior contact with LVNV before they placed information on my CR's. I didn't know who the OC was or if it was even my debt and kept adding a new neg TL each month adding interest. I filed the complaint with the BBB as to them listing themselves as a factoring company not a CA. They putting KD's on my report each month. Have they sent you a Dunning notice? If yes have you filed a DV in a timely manner? If you know the OC you could try contacting them and seeing if they can pull the account back from LVNV offer a PFD. Make sure if you are able to do that OC sends notice to LVNV to remove the TL from all CRB's. I would not pay LVNV directly unless the OC can not pull the account back. Then I would only offer PFD. The BBB complaint should only be used if they are attempting to collect improperly or are failing to DV. I am no expert in these matters but that is my thought on it. If you have any other questions feel free to PM me, I check the pages often.
Hello if you could send me what you sent also! I submitted a complaint to the BBB with them reporting as a factoring company and not receiving a dunning notice before they reported it but I just got the response that the way they are reporting is correct. If you could send me what you sent, I'm going to reject it back!
Thanks!!
@jkwheaton78 wrote:Hello if you could send me what you sent also! I submitted a complaint to the BBB with them reporting as a factoring company and not receiving a dunning notice before they reported it but I just got the response that the way they are reporting is correct. If you could send me what you sent, I'm going to reject it back!
Thanks!!
PM sent
@fmouto wrote:
Could you please pm the info to me also?
PM sent
@novabama wrote:
Tradelines can stay on your credit report for up to 7 years 180 days (7.5 yrs) from DoFD.. Therefore the feb 2013 is legit unfortunately...
Obviously that's not what I wanted to hear, but thank you for the clarification on that. I appreciate it.
@novabama wrote:
Well it could be worse most of my stuff won't fall off till 2014 and some 15 some I'm trying to PFD a lot! You've already waited 7 years... 6 months won't kill ya If it were me though I'd send like 2 GWs a week and email and fax of you want it off that badly! Maybe it will fall into the right hands.
Very true, it really could be worse.
I think the main reason I wanted this one off so badly is for the boost of confidence that there may actually be hope my credit. I have 4 other paid collections not counting this one. One is scheduled to fall off in Dec 2013 and the rest in 2014 & 2015. I haven't had much success with GW letters. Only one resulted in a removal, but it was a medical account which I've noticed is the easiest to be removed.
I'm kicking myself for not knowing about PFD's before I paid everything off. Now my only hope is GW letters. I just hate getting the "request is denied" in the mail time and time again. It's discouraging.