https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/2207955#M276262 <P>I have 2 separate accounts with LVNV being reported with 6 different sets of information. I have DV'd them for the last 4 years and they have just sent back the computer printout. I decided to try through BBB, now I am stuck at how should I actually respond. Can anyone help or point me in the right direction?</P><P>&nbsp;</P><P><SPAN>________________</SPAN></P><P>Problem</P><P>Nature of Complaint: Billing or Collection Issues - No Detail Provided Problem:</P><P>LVNV, as listed on my credit report, are attempting to collect a debt that they haven't proven is mine. I know nothing of this alleged debt and want strict proof of it or it should be deleted.</P><P>&nbsp;</P><P>Desired Outcome</P><P>Desired Settlement: Other (requires explanation) Desired Outcome:</P><P>I want these accounts deleted immediately.</P><P>Complaint Background</P><P>Not all of these questions are required.&nbsp; Please provide as much information as you have. 1. Product/Service Purchased:&nbsp;&nbsp;</P><P>Dates you complained to the company/organization</P><P>Name of Sales Person</P><P>&nbsp;&nbsp;</P><P>________________</P><P>&nbsp;</P><P>This message is in regard to your complaint submitted on 5/18/2013 3:12:32 PM against Resurgent Capital Services LP.&nbsp; Your complaint was assigned ID XXX.</P><P>The business has sent the BBB a message regarding this complaint, and we are passing it on to you.&nbsp; The contents of this message are below or attached.&nbsp; Please respond to this message within 10 days or the complaint will be closed.</P><P>The text of your complaint may be publicly posted on the BBB web site (BBB reserves the right to not post in accordance with BBB policy). Please do not include any personally identifiable information in describing the nature of your complaint. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. BBB may edit your complaint to protect privacy rights and to remove inappropriate language.</P><P>&nbsp;</P><P>MESSAGE FROM BUSINESS:</P><P>&nbsp;</P><P>&nbsp;</P><P>May 23, 2013</P><P>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P><P>&nbsp;</P><P><FONT color="#3366FF"><EM>edited</EM></FONT></P><P>&nbsp;</P><P>&nbsp;</P><P>RE:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P><P>XXX</P><P>&nbsp;</P><P>Previous Creditor:&nbsp; North Star Capital Acquisition LLC</P><P>Original Creditor: Wells Fargo Bank, N.A.</P><P>Current Owner: LVNV Funding LLC</P><P>Account Number:&nbsp;</P><P>Reference Number:&nbsp;</P><P>Current Balance:&nbsp;</P><P>&nbsp;</P><P>Dear Ms. <FONT color="#3366FF"><EM>edited</EM></FONT>:</P><P>&nbsp;</P><P>This letter is in response to your correspondence dated May 20, 2013 regarding the above referenced account.&nbsp; LVNV Funding LLC (“LVNV”) currently owns the account number ending in XXX.&nbsp; Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV.&nbsp; The account was previously sold by North Star Capital Acquisition LLC (“North Star”) on or about December 30, 2011.&nbsp; As of the date of this communication, the account balance is $4,127.89. Please review the following account information:</P><P>&nbsp;</P><P>This account originated on March 19, 2007 and was opened with Wells Fargo Bank, N.A. (“Wells Fargo”).</P><P>This account charged off on August 31, 2008.</P><P>The last payment in the amount of $130.00 was received on January 22, 2008.</P><P>No payments have been received on this account since Resurgent started servicing it in December 2011.</P><P>&nbsp;</P><P>All rights to collect were transferred to LVNV when this account was purchased from the previous creditor.&nbsp; Therefore, this account is being reported to the three major consumer reporting agencies.&nbsp; The original creditor also retains the right to report the history of this account from the origination date to charge off.</P><P>&nbsp;</P><P>&nbsp;</P><P>In response to an electronic credit bureau dispute received on April 11, 2012, verification of debt with validation was sent to XXX on April 12, 2012 in compliance with the Fair Debt Collection Practices Act (“FDCPA”).&nbsp; Enclosed is a copy of this letter for your records. Please note that receipt of this complaint is the first written notification our office has received regarding this account.</P><P>&nbsp;</P><P>In accordance with the Fair Credit Reporting Act, the LVNV tradeline is being reported as “disputed” with the three major consumer reporting agencies. It will continue to report as such for the appropriate time period based upon the facts we have currently.</P><P>&nbsp;</P><P>&nbsp;</P><P>If after review of the above referenced information XXX believes this account is fraudulent, we would ask for a completed police/incident report regarding the fraud, or a notarized fraud or identity theft affidavit in order to help us resolve this matter. &nbsp;Blank forms are available at the FTC’s website:<A target="_blank" href="http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf.">http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf.</A>&nbsp; If this account was paid or settled in full, the settlement offer, cancelled check(s), and/or confirmation of payment in full would help us resolve this complaint.&nbsp; In addition, if XXX has any correspondence to/from North Star and/or Wells Fargo concerning her dispute, it may help with our investigation, so please have her forward it to:</P><P>&nbsp;</P><P>Compliance Department&nbsp;&nbsp;&nbsp; or&nbsp;&nbsp;&nbsp;&nbsp; Fax:&nbsp; 866-467-0918</P><P>MS 250</P><P>P.O. Box 10497&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P><P>Greenville, SC 29603</P><P>&nbsp;</P><P>&nbsp;</P><P>If you have any further questions, comments or concerns, please contact Customer Service at 888-665-0374.</P><P>&nbsp;</P><P>Sincerely,</P><P>&nbsp;</P><P><FONT color="#3366FF"><EM>edited</EM></FONT></P><P>Compliance Department&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P><P>Resurgent Capital Services L.P.</P><P>Enclosure</P><P>&nbsp;&nbsp;</P><P>________________</P><P>&nbsp;</P><P>&nbsp;</P><P>I have reviewed the response made by the business in reference to complaint ID XXX, and have determined that this does not resolve my complaint.</P><P>LVNV stated in the letter that they are operating as Resurgent, however, the only company on my credit report is from a "LVNV". The April 2012 date that you refer to is when your company, LVNV, reinserted the account on my credit report after you failed to provide legal validation that I asked for and not the first debt validation as your asserted in your response. I have disputed with the company in accordance with 15 USC § 1692g since 2009, with proof, by myself, and 3 other third parties and have never received what I asked for nor what is required by law, however, the Credit Agencies confirm that you certified the debt was mine electronically. Also, LVNV is reporting on my credit credit that this account is Open and continues to update 120+ late status every month. LVNV has also confirmed in this response that they inflated the alleged debt by their own illegal standards (15 USC 1692e) as well as reporting different information to each Credit Reporting Agency.</P><P>&nbsp;</P><P>My credit reports state the LVNV is a Factoring Company that is in collections but your attached validating refutes this information (15 U.S.C. § 1681 et seq.).</P><P>&nbsp;</P><P>As a consumer, I have fulfilled all of my obligations to verify this alleged debt with LVNV. As a collection company, LVNV (or whatever alias they would like to operate under) have blatantly broke many of the consumer rights given to me as a citizen of the United States. If you cannot come to an agreement within allotted time by law to have this account removed from my credit report, than a Judge will need to make a final decision.</P><P>&nbsp;</P><P>________________</P><P>&nbsp;</P><P>&nbsp;</P><P>This letter is in response to the additional concerns submitted by XXX dated May 29, 2013 regarding the above referenced account. LVNV Funding, LLC (“LVNV”) currently owns the account number ending in XXX. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV. Therefore, XXX’s statement about LVNV reflecting on her credit bureau is correct.&nbsp; However, Resurgent does not operate as LVNV, but rather, services accounts on their behalf.</P><P>&nbsp;</P><P>The only communication that Resurgent received from XXX</P><P>&nbsp;</P><P>&nbsp;prior to receipt of this complaint was a dispute that she submitted electronically through the credit bureau. To which, Resurgent responded in the adequate time permitted by providing the corresponding information to the respective credit bureau. Furthermore, Verification of debt with validation was mailed to XXX</P><P>&nbsp;</P><P>&nbsp;in compliance with the Fair Debt Collection Practices Act (“FDCPA”).</P><P>&nbsp;</P><P>&nbsp;</P><P>There appears to be some confusion regarding the credit bureau reporting of this account. In most cases, creditors charge off accounts once they are 120 days or more past due/delinquent.&nbsp; The statement “120 days past due” is generally how a charged off account is defined by the credit bureaus.&nbsp; Due to the account being charged off, the bureaus still report it as 120 days past due.&nbsp; This comment is added by the bureaus to further define the account; therefore, this statement cannot be altered.</P><P>&nbsp;</P><P>Furthermore, the consumer reporting agencies define factoring company as a company or individual who purchases accounts with the intent of collecting debts owed.&nbsp; Therefore, the term is accurate in this situation.</P><P>&nbsp;</P><P>We respectfully disagree with XXX’s statements regarding the interest accruing on this account being unlawful.&nbsp; We can charge interest and are charging six percent.</P><P>&nbsp;</P><P>&nbsp;</P><P>The tradeline will not be deleted; however, it is being reported as ‘disputed’ to the three major consumer reporting agencies. It will continue to report as such for the appropriate time period based upon the facts we have currently.</P><P>&nbsp;</P><P>We hope this addresses the additional concerns submitted by XXX</P><P>&nbsp;</P><P>.&nbsp; If you have any further questions, comments or concerns, please contact Customer Service at 888-665-0374.</P><P>&nbsp;</P><P>&nbsp;</P><P>Sincerely,</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P><P><FONT color="#3366FF"><EM>edited</EM></FONT></P><P>Compliance Department&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P><P>Resurgent Capital Services L.P.</P> Tue, 11 Jun 2013 21:48:27 GMT Thexy 2013-06-11T21:48:27Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1956781#M248445 <P>Thank you to everyone on this board who has contributed thier stories. Because of it, I was able to get LVNV to remove thier reporting from my reports. For those fighting this company I submitted a BBB complaint with regards to them listed as open, factoring, and&nbsp;increasing my balance each month by 4 dollars. This is my first successful fight, so I am pretty excited right now. Hopefully they wont just sell it off to someone else - even so it reaches CRTP in a few months.</P><P>&nbsp;</P><P>I received my results today:</P><P>&nbsp;</P><P>Dear BBB employee name:</P><P>&nbsp;</P><P>This letter is in response to&nbsp;XXX complaint dated March 5, 2013. LVNV Funding LLC (“LVNV”) currently owns the account number ending XXXX. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by LVNV.</P><P>&nbsp;</P><P>After further investigation, the following account has been closed. A request to delete the LVNV tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30-45 days for this update to occur. We apologize for any inconvenience experienced regarding this account. Additionally,&nbsp;XXX&nbsp; should receive no further communication from our office regarding this account.</P><P>&nbsp;</P><P>Acct No. xxxxxxxxxxxx&nbsp;&nbsp;&nbsp;&nbsp; Reference No.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Original Creditor: HSBC Bank Nevada, N.A.</P><P>&nbsp;</P><P>If you have any further questions, comments or concerns, please contact Customer Service at 888-665-0374.</P><P>&nbsp;</P><P>Sincerely,</P><P>&nbsp;</P><P>Compliance Department&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P><P>Resurgent Capital Services L.P.</P> Wed, 13 Mar 2013 20:01:41 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1956781#M248445 beanie7132 2013-03-13T20:01:41Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1956793#M248449 <P>Nice job.</P><P>&nbsp;</P><P>&nbsp;</P> Wed, 13 Mar 2013 20:05:58 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1956793#M248449 Anonymous 2013-03-13T20:05:58Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1956857#M248454 <P>Congrats <img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /></P> Wed, 13 Mar 2013 20:35:49 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1956857#M248454 wreith 2013-03-13T20:35:49Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957083#M248484 <P>What did you say in your complaint to BBB? I have an account on them that I've done certified mailed DV letters, and they never respond to my current address after I've explicitly placed in on there and asked to direct communications with me via mail at current address...they always send something to my old address that I haven't resided at since high school. I only happen to see it when I go home for like the holidays or something. It's scheduled to drop off this year when I initiated a dispute online with Experian last year sometime...it's no longer saying when it's scheduled to drop off so has me a little nervous so I'm thinking about giving it another go as next year I want to start looking into purchasing a home.</P><P>&nbsp;</P><P>Obviously what I did previously didn't help as it's still reporting so I would welcome any suggestions/advice on other tactics. I just initiated another online dispute (which I probably shouldn't have done until I got a game plan together), should I DV again?</P><P>&nbsp;</P><P>I reside in Tx so they are legally required to respond...if they never responded to my correct address is that reason enough to go to BBB?</P> Wed, 13 Mar 2013 21:52:47 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957083#M248484 JustJen 2013-03-13T21:52:47Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957093#M248485 <P>Congrats</P> Wed, 13 Mar 2013 21:56:55 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957093#M248485 Anonymous 2013-03-13T21:56:55Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957147#M248496 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/535491">@JustJen</a> wrote:<BR /><P>What did you say in your complaint to BBB? I have an account on them that I've done certified mailed DV letters, and they never respond to my current address after I've explicitly placed in on there and asked to direct communications with me via mail at current address...they always send something to my old address that I haven't resided at since high school. I only happen to see it when I go home for like the holidays or something. It's scheduled to drop off this year when I initiated a dispute online with Experian last year sometime...it's no longer saying when it's scheduled to drop off so has me a little nervous so I'm thinking about giving it another go as next year I want to start looking into purchasing a home.</P><P>&nbsp;</P><P>Obviously what I did previously didn't help as it's still reporting so I would welcome any suggestions/advice on other tactics. I just initiated another online dispute (which I probably shouldn't have done until I got a game plan together), should I DV again?</P><P>&nbsp;</P><P>I reside in Tx so they are legally required to respond...if they never responded to my correct address is that reason enough to go to BBB?</P><HR /></BLOCKQUOTE><P><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/535491">@JustJen<SPAN></SPAN></a>&nbsp;- I sent you a PM!</P> Wed, 13 Mar 2013 22:11:32 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957147#M248496 beanie7132 2013-03-13T22:11:32Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957519#M248555 <P>I would also like to know what you said in the letter. I have an account with them (originally from HSBC) that went to judgement and they are refusing to budge on the settlement amount. It says right on my credit report that they are a "factory company". Does anyone know what would happen with the judgement if the complaint to BBB works out?</P> Thu, 14 Mar 2013 00:00:57 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957519#M248555 nmjacobs 2013-03-14T00:00:57Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957769#M248596 Nice going, Congrats! Thu, 14 Mar 2013 00:46:00 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1957769#M248596 Epcot 2013-03-14T00:46:00Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1958607#M248742 <P>Congratulations!&nbsp; I have two items on my report from them.&nbsp; I haven't had any luck getting responses to my letters either.&nbsp; About a week and a half ago, I sent a certified letter to them and copied the CRA's, BBB, FTC, and the Attorney General for my state.&nbsp; I am awaiting a response.&nbsp; One is a zero balance and the&nbsp; other has a balance but I cannot tell what it is.&nbsp; I didn't complain about how it was listed this go round.&nbsp; Just the fact that my first knowledge of those listings was my credit report and they have not responded to my DV's.&nbsp; I eluded to the fact that it was inaccurate information (saying I opened accounts in 2009 &amp; 2011 with them.&nbsp; I can't wait to see if I have luck or not.&nbsp; If not, I guess I will take your approach on the factoring deal.&nbsp; What exactly did you say to the BBB in that regard?&nbsp; You have given me hope!!</P> Thu, 14 Mar 2013 04:09:09 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1958607#M248742 Anonymous 2013-03-14T04:09:09Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1959123#M248795 <P>PMs sent <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /></P> Thu, 14 Mar 2013 12:26:46 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1959123#M248795 beanie7132 2013-03-14T12:26:46Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990013#M252988 I tried the factoring bit and they said it was OK to post that way..now I'm rebutting with the fact that they were not licensed as a ca in md when they bought my debt...not sure if they will delete for that though...<BR /> Sun, 24 Mar 2013 04:20:00 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990013#M252988 ranjen1 2013-03-24T04:20:00Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990029#M252993 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/670453">@ranjen1</a> wrote:<BR />I tried the factoring bit and they said it was OK to post that way..now I'm rebutting with the fact that they were not licensed as a ca in md when they bought my debt...not sure if they will delete for that though...<BR /><HR /></BLOCKQUOTE><P>Are they licensed now?&nbsp; If not also file a complaint with your AG and cc the CA.</P> Sun, 24 Mar 2013 04:26:56 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990029#M252993 Anonymous 2013-03-24T04:26:56Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990041#M252995 Congrats! Sun, 24 Mar 2013 04:30:03 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990041#M252995 Anonymous 2013-03-24T04:30:03Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990097#M252999 They are licensed now but my debt was bought in 2009 and they were licensed in 2012 Sun, 24 Mar 2013 05:07:09 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990097#M252999 ranjen1 2013-03-24T05:07:09Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990463#M253048 That's about when mine was bought to Sun, 24 Mar 2013 15:04:35 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990463#M253048 chevyman 2013-03-24T15:04:35Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990741#M253081 <P>WOW!&nbsp; MAJOR Congrats, beanie!&nbsp; I would LOVE to know what you sent them as well.&nbsp; Can you PM me, too?&nbsp; GEEZ!&nbsp; I have two things on my CR from LVNV as well and they keep sending the same things back to me with settlement letters that are outrageous.&nbsp; I have horror stories about them and their non-responsiveness so it sounds like there is hope after all!!</P> Sun, 24 Mar 2013 17:23:17 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990741#M253081 sybo40 2013-03-24T17:23:17Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990795#M253085 They are charging me about 10 percent interest and our state max is 6.5 Sun, 24 Mar 2013 17:34:13 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1990795#M253085 chevyman 2013-03-24T17:34:13Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1993075#M253401 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/395366">@sybo40</a> wrote:<BR /><P>WOW!&nbsp; MAJOR Congrats, beanie!&nbsp; I would LOVE to know what you sent them as well.&nbsp; Can you PM me, too?&nbsp; GEEZ!&nbsp; I have two things on my CR from LVNV as well and they keep sending the same things back to me with settlement letters that are outrageous.&nbsp; I have horror stories about them and their non-responsiveness so it sounds like there is hope after all!!</P><HR /></BLOCKQUOTE><P>I have sent you a PM</P> Mon, 25 Mar 2013 12:11:12 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1993075#M253401 beanie7132 2013-03-25T12:11:12Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1994409#M253616 <P>Congrats!! How did you do it?? I just pulled my CR through a mortgage broker. I'm working on fixing up our CR at the moment and my biggest baddie that's showing up is my husband's LVNV (used to be HSBC/Best Buy). I was going to call them and try to PFD, but after seeing this I would really appreciate some help with my account as well.&nbsp;</P><P>&nbsp;</P><P>Do I send them a DV letter first? Call them? I'd really appreciate any info!! Thanks so much!!</P> Mon, 25 Mar 2013 19:35:35 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1994409#M253616 Anonymous 2013-03-25T19:35:35Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1994421#M253619 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Congrats!! How did you do it?? I just pulled my CR through a mortgage broker. I'm working on fixing up our CR at the moment and my biggest baddie that's showing up is my husband's LVNV (used to be HSBC/Best Buy). I was going to call them and try to PFD, but after seeing this I would really appreciate some help with my account as well.&nbsp;</P><P>&nbsp;</P><P>Do I send them a DV letter first? Call them? I'd really appreciate any info!! Thanks so much!!</P><HR /></BLOCKQUOTE><P>How old is the debt?</P> Mon, 25 Mar 2013 19:41:15 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ByeBye-LVNV/m-p/1994421#M253619 DaBears 2013-03-25T19:41:15Z