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Established Member
Posts: 14
Registered: ‎06-03-2012
0

LVNV success!

I am extremely happy right now. I went through the BBB to request DV from LVNV and received the following; After further investigation, the following account has been closed. A request to delete the LVNV tradeline will be submitted to the three major CRA. Yesssss! Thank you myFico!
Starting Scores 12/26/12: Exp (Fako):659| Equ (Fako): 719|TU (Fako) 665
Current: 1/1/13 Equ (FICO) 649, TU 613
Goal Scores: 750+

In the garden till scores reach 700.
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: LVNV success!


pbl1999 wrote:
I am extremely happy right now. I went through the BBB to request DV from LVNV and received the following; After further investigation, the following account has been closed. A request to delete the LVNV tradeline will be submitted to the three major CRA. Yesssss! Thank you myFico!

congrats! I had to go through LVNV as well to purchase a house, BBB worked from me too!

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: LVNV success!

Nice going, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Member
Posts: 18
Registered: ‎01-10-2013
0

Re: LVNV success!

Any chance you could elaborate on this process, or point me to the thread that covers this (if there is one)? Thanks.

New Member
Posts: 11
Registered: ‎01-10-2013
0

Re: LVNV success!

Sweet! I love hearing these kind of success stories. Congratulations!

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: LVNV success!

Congrats

Highlighted
Established Member
Posts: 14
Registered: ‎06-03-2012
0

Re: LVNV success!

Check this thread out: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Another-LVNV-success/m-p/1552380/highlight/tr...
Starting Scores 12/26/12: Exp (Fako):659| Equ (Fako): 719|TU (Fako) 665
Current: 1/1/13 Equ (FICO) 649, TU 613
Goal Scores: 750+

In the garden till scores reach 700.
New Member
Posts: 2
Registered: ‎01-20-2013
0

Re: LVNV success!

Is there any way that someone can share with me the letter they sent to the BBB that resulted in removal of an LVNV account. I have been reading this forum for 2 years trying to decide if I should send something to the BBB to try and get my 2 LVNVs removed from credit. I was trying to wait them out until they fell off as they are now 5-6 years old. This is because I was nervous that if I disputed and lost, it would somehow reage them. (Can that happen?) These 2 accounts are listed with some possibly incorrect info And missing some details on my CR. They were from a time when I I was having a terminally ill child and doing what I could to survive due to not being able to work. Both are for small credit cards. I have not had a late payment in over 5 years and built new positive history, but this LVNV reporting twice monthly (2 accounts) on my CR continues to keep my score in the low 500s. I have a great career now and income, but these are keeping me from getting a house, car, etc in my name. I have read the different threads multiple times but can never find the actual letters that were successful and sent to the BBB on the forum and threads. If someone could please, please send me the actual information they sent the BBB to get the deletion successfully, I would greatly appreciate it. Also, any other info or tips would be much appreciated!! I don't think I can wait for the next two years for these to fall off my report and want to try to get them off now if that is the best thing to do. Thanos in advance for any help or advise you can offer. Feel free to pm me. Thanks!!
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: LVNV success!


LD100 wrote:
Is there any way that someone can share with me the letter they sent to the BBB that resulted in removal of an LVNV account. I have been reading this forum for 2 years trying to decide if I should send something to the BBB to try and get my 2 LVNVs removed from credit. I was trying to wait them out until they fell off as they are now 5-6 years old. This is because I was nervous that if I disputed and lost, it would somehow reage them. (Can that happen?) These 2 accounts are listed with some possibly incorrect info And missing some details on my CR. They were from a time when I I was having a terminally ill child and doing what I could to survive due to not being able to work. Both are for small credit cards. I have not had a late payment in over 5 years and built new positive history, but this LVNV reporting twice monthly (2 accounts) on my CR continues to keep my score in the low 500s. I have a great career now and income, but these are keeping me from getting a house, car, etc in my name. I have read the different threads multiple times but can never find the actual letters that were successful and sent to the BBB on the forum and threads. If someone could please, please send me the actual information they sent the BBB to get the deletion successfully, I would greatly appreciate it. Also, any other info or tips would be much appreciated!! I don't think I can wait for the next two years for these to fall off my report and want to try to get them off now if that is the best thing to do. Thanos in advance for any help or advise you can offer. Feel free to pm me. Thanks!!

LD100 wrote:
Is there any way that someone can share with me the letter they sent to the BBB that resulted in removal of an LVNV account. I have been reading this forum for 2 years trying to decide if I should send something to the BBB to try and get my 2 LVNVs removed from credit. I was trying to wait them out until they fell off as they are now 5-6 years old. This is because I was nervous that if I disputed and lost, it would somehow reage them. (Can that happen?) These 2 accounts are listed with some possibly incorrect info And missing some details on my CR. They were from a time when I I was having a terminally ill child and doing what I could to survive due to not being able to work. Both are for small credit cards. I have not had a late payment in over 5 years and built new positive history, but this LVNV reporting twice monthly (2 accounts) on my CR continues to keep my score in the low 500s. I have a great career now and income, but these are keeping me from getting a house, car, etc in my name. I have read the different threads multiple times but can never find the actual letters that were successful and sent to the BBB on the forum and threads. If someone could please, please send me the actual information they sent the BBB to get the deletion successfully, I would greatly appreciate it. Also, any other info or tips would be much appreciated!! I don't think I can wait for the next two years for these to fall off my report and want to try to get them off now if that is the best thing to do. Thanos in advance for any help or advise you can offer. Feel free to pm me. Thanks!!

Sent you a PM 

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Regular Contributor
Posts: 122
Registered: ‎05-17-2013
0

Re: LVNV success!

If I could get a pm as well that would be awesome!

Starting Score: myFICO TU: 542, myFICO EQ: 556 EX: 549 (03/2013)
Current Score: 702 TU, EQ: 673, EX 687

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