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Payment history

Regular Contributor

Payment history

I have lvnv funding on my report (experian) and they show payment history. Can they do that???

Message 1 of 9
8 REPLIES
Community Leader
Epic Contributor

Re: Payment history

Its most likely taken from the OC account history. 

If the debt collector does not own the debt, you have no account relationship with them, and no deliquencies.

Message 2 of 9
Regular Contributor

Re: Payment history

The account is from 2006. They have late payment from feb 2012. Unless I'm reading it wrong?
Message 3 of 9
Community Leader
Epic Contributor

Re: Payment history

It is permissible to continue to report an earlier status of delinquenct at a certain level.  Did the level of delinquency change, or did the actual payment history profile include an actual, new delinquency?

Message 4 of 9
Regular Contributor

Re: Payment history

Date Opened:
09/2011
Date of Status:
12/2011
Reported Since:
12/2011
Last Reported Date:
02/2012

Type:
Installment
Terms:
1 Months 
Monthly Payment:
$0
Responsibility:
Individual 

Credit Limit:
$572
High Balance:
N/A 
Recent Balance:
$586
Recent Payment:
$0
 
 
Payment history legend
OK
 Current/Terms of agreement met
30
 Account 30 days past due
60
 Account 60 days past due
90
 Account 90 days past due
120
 Account 120 days past due
150
 Account 150 days past due
180
 Account 180 days past due
CRD
 Creditor received deed
FS
 Foreclosure proceedings started
F
 Foreclosed
VS
 Voluntarily surrendered
R
 Repossession
PBC
 Paid by creditor
IC
 Insurance claim
G
 Claim filed with government
D
 Defaulted on contract
C
 Collection
CO
 Charge off
CLS
 Closed
ND
 No data for this time period

Payment History:

2012

FEB

C

JAN

C
2011

DEC

C
 

Account History:

Collection as of Dec 2011 to Feb 2012
 

Balance History
- The following data will appear in the following format:
account balance / date payment received / scheduled payment amount / actual amount paid
Jan 2012: $584 / no data / no data / no data
Dec 2011: $581 / no data / no data / no data
 

Limit High Balance History:

The original amount of this account was $572
Message 5 of 9
Frequent Contributor

Re: Payment history

You should do a search on the forum for LVNV. Everything they do is pushing boundaries. Did you ever send a dunning notice from LVNV about this collection?


Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+


Take the FICO Fitness Challenge
Message 6 of 9
Regular Contributor

Re: Payment history

No. I am not sure what steps to take, I have read threw most of those post and just get confused lol
Message 7 of 9
Frequent Contributor

Re: Payment history

I'll send you a PM shortly, ok? I know I keep posting to any thread that has to do with LVNV but they are just scumbags (grrr)


Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+


Take the FICO Fitness Challenge
Message 8 of 9
Highlighted
Regular Contributor

Re: Payment history

Sounds good thank you
Message 9 of 9