Valued Contributor
Posts: 2,669
Registered: ‎04-25-2011
Re: LVNV multiple Tradelines best approach

KnewBee wrote:

Hello, I have more than TL from LVNV with different OCs. For the purposes of dv letters, settlement attempts, disputes to how they are reporting them etc. is it best to treat each TL individually or treat it as one account since it is all the same JDB? I am guessing something like a dv letter is probably best to treat each TL separately, but any cases where you treat it as one? I.e. more leverage in a settlement attempt? 


Hope this makes sense. Thank you!

How old are these trade lines?


LVNV is notorious for being flightly and loose with the law.. You might be able to gain leverage to compel deletion from them..



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