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ByeBye LVNV!!!

Established Member

Re: ByeBye LVNV!!!

I tried the factoring bit and they said it was OK to post that way..now I'm rebutting with the fact that they were not licensed as a ca in md when they bought my debt...not sure if they will delete for that though...
LENDER PULL 02/13/13 EF 574 TU 596 XP 554
LENDER PULL 03/21/13 EF 632 TU 611 XP 589

GOAL: 640 FOR USDA
Message 11 of 141
Epic Contributor

Re: ByeBye LVNV!!!


ranjen1 wrote:
I tried the factoring bit and they said it was OK to post that way..now I'm rebutting with the fact that they were not licensed as a ca in md when they bought my debt...not sure if they will delete for that though...

Are they licensed now?  If not also file a complaint with your AG and cc the CA.

Message 12 of 141
Regular Contributor

Re: ByeBye LVNV!!!

Congrats!

Starting Score 4/15/2012:579 Ex-FAKO, 572 Eq-FAKO, 546 TU-FAKO (all were sub-500 in 2011)
FICO as of 3/08/2013: 627 EQ, 647 TU
FAKO as of 3/23/2013: 638 EX, 652 EQ, 648 TU
Goal 1: 600 FICO achieved 10/2012!, Goal 2: 650 FICO Across the Board - Let's take Baby-Steps!
**Amex Optima $1.3k, GE/CareCredit $1k, CapOne Secured $900, Barclaycard Rewards $500, CapOne Rewards $500, Citi/Shell $200**
Seedling Garden Club Member - Last App: 03/18/2013 - Goal: No apps for One Year: 3/18/2014
Message 13 of 141
Established Member

Re: ByeBye LVNV!!!

They are licensed now but my debt was bought in 2009 and they were licensed in 2012
LENDER PULL 02/13/13 EF 574 TU 596 XP 554
LENDER PULL 03/21/13 EF 632 TU 611 XP 589

GOAL: 640 FOR USDA
Message 14 of 141
Contributor

Re: ByeBye LVNV!!!

That's about when mine was bought to
Message 15 of 141
Regular Contributor

Re: ByeBye LVNV!!!

WOW!  MAJOR Congrats, beanie!  I would LOVE to know what you sent them as well.  Can you PM me, too?  GEEZ!  I have two things on my CR from LVNV as well and they keep sending the same things back to me with settlement letters that are outrageous.  I have horror stories about them and their non-responsiveness so it sounds like there is hope after all!!


Starting Score: 490
Current Score: TU: 656; EQ: 607; EX: 642
Goal Score: 700


Take the FICO Fitness Challenge
Message 16 of 141
Contributor

Re: ByeBye LVNV!!!

They are charging me about 10 percent interest and our state max is 6.5
Message 17 of 141
Frequent Contributor

Re: ByeBye LVNV!!!


sybo40 wrote:

WOW!  MAJOR Congrats, beanie!  I would LOVE to know what you sent them as well.  Can you PM me, too?  GEEZ!  I have two things on my CR from LVNV as well and they keep sending the same things back to me with settlement letters that are outrageous.  I have horror stories about them and their non-responsiveness so it sounds like there is hope after all!!


I have sent you a PM

Message 18 of 141
New Contributor

Re: ByeBye LVNV!!!

Congrats!! How did you do it?? I just pulled my CR through a mortgage broker. I'm working on fixing up our CR at the moment and my biggest baddie that's showing up is my husband's LVNV (used to be HSBC/Best Buy). I was going to call them and try to PFD, but after seeing this I would really appreciate some help with my account as well. 

 

Do I send them a DV letter first? Call them? I'd really appreciate any info!! Thanks so much!!

 

Starting Score:EQ 653, TU 612, EX 618 (pulled by Mort Broker)
Current Score:EX643TU637EQ659
Goal Score: 700's


Take the myFICO Fitness Challenge
Message 19 of 141
Senior Contributor

Re: ByeBye LVNV!!!


Chitwngrl wrote:

Congrats!! How did you do it?? I just pulled my CR through a mortgage broker. I'm working on fixing up our CR at the moment and my biggest baddie that's showing up is my husband's LVNV (used to be HSBC/Best Buy). I was going to call them and try to PFD, but after seeing this I would really appreciate some help with my account as well. 

 

Do I send them a DV letter first? Call them? I'd really appreciate any info!! Thanks so much!!


How old is the debt?

Message 20 of 141