SonyElectronics wrote:
doubt it, it's listed as a collection account and owned by LVNV and original creditor : IDT-HSBCORCHARD GOLD - MCG. I've read that LVNV (Sherman Financial) never wants to do PFD and my spouse called on his cards for a PFD and they rejected it.
BBB the LVNV.. I had one hit prior to the mortgage..
They have an incorrect address reporting on credit reports.. if you send a DV letter to them, it bounces.. I would file a BBB complain, indicating you never recieved a dunning, the address on the credit report is incorrect, and they are reporting your account as a factoring account and not a collection..
many of us have had this removed in a matter of weeks going that route with LVNV
Hunter Warfield is a pain, they never do GWs but I was able to get it off my credit with a direct dispute to them (not the CRA) to their new address (not the one listed on the report) indicating the DOFD on my account was wrong, this lead to its removal.
-scott
Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
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 ReposessionStill Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
