Newbie/Lurker just saying Thank you!!!!

[rm3]

Just wanted to say thank you and I have learned so much so far. Some of my small successes include: getting LVNV Funding removed from all 3 CR (BBB worked), adding revolving credit to my CR, and learning how to properly maximize my score using the utilization methods mentioned here))) I still have a lot of work to do but the small victories definitely motivate!!!

[pakman92]

Welcome to the forum.  I'm a noob myself.  Been on the forum only for a few weeks.  Totally addicted and taking in everythign tho...

[Anonymous]

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@rm3 wrote:

Just wanted to say thank you and I have learned so much so far. Some of my small successes include: getting LVNV Funding removed from all 3 CR (BBB worked), adding revolving credit to my CR, and learning how to properly maximize my score using the utilization methods mentioned here))) I still have a lot of work to do but the small victories definitely motivate!!!

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Welcome to the forums and congrats on your successes so far!

[injustifiiable]

I have a collections account with LVNV Funding...but for whatever reason it's reporting as an installment account. What the heck is up with that???

[Anonymous]

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@injustifiiable wrote:

I have a collections account with LVNV Funding...but forever reason it's reporting as an installment account. **bleep** is up with that???

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LVNV is famous for this.  Some CAs recently have started reporting as "factoring companies" and list tradlines as active debts instead of collections.  I am not 100% sure, but I think this is illegal and improper reporting.  Many people have had these removed completely by reporting them to their state Attorney General and the BBB.