I think im being messed with big time

[evoeli3]

Hi can you please give me any information to getting these people off my report.

Capital One Credit Card
Date Opened: Dec 2007
First Reported: Jan 2008
Date of Status: Jun 2009
Terms: Not reported
Monthly Payment: Not Reported
Credit Limit or original amount: $300
High Balance: $762
Recent Balance: Not reported
Responsibility: Individual
Status: Transferred, closed. $762 written off.
Comment: Purchased by another lender
Sold to: SHERMAN ORIGINATOR LLC

LVNV FUNDING LLC
Date Opened: May 2009
First Opened: Jul 2009
Date of status: Jul 2009
Type: Debt buyer
Terms: 1 Months
Montly payment: Not reported
Credit Limit or original amount: $769
High Balance: Not reported
Recent Balance: $1,342 as of Apr 2014
Responsibility: Individual
Status: Collection account. $1,342 past due as of Apr 2014. This account is scheduled to continue on record untill Jan 2015

Please HELP! ☆○♡☆○♡

[polno1234]

pfd or wait them out

[evoeli3]

By the way I forgot to add these accounts are supposedly affiliated. LVNV has the Original creditor listed as Capital One...im so lost

[polno1234]

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@evoeli3 wrote:
Hi can you please give me any information to getting these people off my report.

Capital One Credit Card
Date Opened: Dec 2007
First Reported: Jan 2008
Date of Status: Jun 2009
Terms: Not reported
Monthly Payment: Not Reported
Credit Limit or original amount: $300
High Balance: $762
Recent Balance: Not reported this is the only thing i see funny. dispute it and it will only update to say 0 balance
Responsibility: Individual
Status: Transferred, closed. $762 written off.
Comment: Purchased by another lender
Sold to: SHERMAN ORIGINATOR LLC

LVNV FUNDING LLC
Date Opened: May 2009
First Opened: Jul 2009
Date of status: Jul 2009
Type: Debt buyer
Terms: 1 Months
Montly payment: Not reported
Credit Limit or original amount: $769 7 dollar difference is like due to a fee added by the ca that owned it previously.
High Balance: Not reported
Recent Balance: $1,342 as of Apr 2014
Responsibility: Individual
Status: Collection account. $1,342 past due as of Apr 2014. This account is scheduled to continue on record untill Jan 2015

Please HELP! ☆○♡☆○♡

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 i dont see anything that would get it removed. it is reporting close to accurate. if you dispute them they will likely just fix the discrepencies. they are both allowed to report. so again you can pfd or just wait them out. looks like only a few months to wait jan 2015

[evoeli3]

If the account was sold to Sherman Originator then why is it listed under LVNV?

[polno1234]

sold to sherman then to lvnv. an inccorecly reported account is not grounds for removal. they will only update it with correct info.

[Shogun]

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@evoeli3 wrote:
If the account was sold to Sherman Originator then why is it listed under LVNV?

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LVNV is one of Sherman Financial's CAs, they have many of them.

[evoeli3]

Update*

Capital One changed the high balance from $762 to $300 on my credit reports...what does that mean?