Re-Aging/Judgments

Anonymous · ‎03-09-2008

My friend has a Sears account and a Sears account that she was AU on. The one she was an AU on has been paid after CO to LVNV.

The one that is hers, she has some kind of agreement.......this just happened......something about the balance is put on a CC and blah blah..not sure.....but irrelevant to this problem.

Anyhow, at one time LVNV had both these accounts. LVNV is reporting both of these accounts. The problem is on the TU CR this is listed:

LVNV FUNDING LLC #565XXXXXX

Estimated date that this item will be removed: 03/2011

SEARS/CBSD #565XXXXXXXX

Estimated date that this item will be removed: 11/2009

LVNV FUNDING LLC #512XXXXXXXXXX

Estimated date that this item will be removed: 03/2011

SEARS/CBSD #512XXXXXXXXX

Estimated date that this item will be removed: 01/2010

Full account #s are shown........I masked them. They match perfectly.

So this is an obvious case of illegal re-aging, right?

If so, on the re-aging thread it said to request written documentation from the CRA of the FCRA compliance date.........if you have hard copies of CR, would this be sufficient?

Next step after that is to dispute on basis of FCRA compliance date a few times, right?

If she sends copy of paid letter for judgement to the CRA, will they mark as paid?

llecs · ‎03-10-2008

Looks to be re-aged to me. LNLV did the same thing to me and I disputed it.

They promptly deleted after I pointed that out.

Anonymous · ‎03-10-2008

llecs wrote:
Looks to be re-aged to me. LNLV did the same thing to me and I disputed it.

They promptly deleted after I pointed that out.

Did you dispute it via the CRA or with LVNV directly?

I was doing some research last nigh abou the "credit card" offer of putting debt onto and then paying monthly and credit card is still good even after that.........seems it is from a different branch of LVNV. They way she explained it, Sears would give her a new card with the CL being the amount of the debt, she paid it off as you would any normal debt and then after that you can use it just like any other Sears card. Ugh....I'm gonna ask her more about it and look at the papers.

Thanks.