Hi!
Any luck with capital 1-LVNV /l (credit card) comenity bank (Vic Secret CC) First premier (credit card) Cach LLC (nordstrom)
Any advice is greatly appreciated!! Can someone provide me with what steps i should take to handling my debt below? Do i call first to negotiate a PFD agreement? Is email appropriate? or do i pay first and then write/send GW letters? If anyone has had success with the below companies please let me know and please let me know what your steps were. Thank you for your help and support. Grateful for this community!!
Original Creditor: Capital One
Collection Agency/Current Debt Owner: LVNV FUNDING LLC
Amount: 967.00
Status of Debt: Placed for Collection
Type of Credit: Credit Card (now listed as Debt Buyer)
Credit line vs. balance: Credit line limit is not known or shown on report
Date of First Delinquency: placed for collection in 11/22/2017
Notes (per credit karma)” Account info disputed by consumer; meets FCRA requirements
Original Creditor: Nordstrom Bank
Collection Agency/Current Debt Owner: Cach LLC
Status of Debt: In Collection
Amount: 795.00
Type of Credit: retail credit card (now on my credit report it is listed *loan type- Listed as Deby Buyer)
Credit line vs. balance: 795.00 is the balance the limit is not shown on my report
Date of First Delinquency: placed for collection 09/25/2015
Notes (per credit karma)” Account info disputed by consumer; meets FCRA requirements
Original Creditor: Comenity Bank/ Victoria Secret
Collection Agency/Current Debt Owner: Comenity Bank/ Victoria Secret
Status of Debt: Charged Off
Amount: $801.00
Type of Credit: Credit Card
Credit line vs. balance: Balance= $801; Limit= $750
Date of First Delinquency: 8/2014 (late payment; first delinquent action reported)
Maximum Delinquency of 120 days in 06/2015 and in 07/2016<
Notes: CBG CLOSED BY CREDIT GRANTOR and unpaid balance charged off
Original Creditor: Elan Financial Service
Collection Agency/Current Debt Owner: Northland
Status of Debt: Charged off
Amount: $ 8044 (Charged off Amount states: $6,230)
Type of Credit: Credit Card
Credit line vs. balance: Balance is $8000
Date of First Delinquency: 07/2013 first delinquent action reported)
Note: (This was opened opened on my report shows 6/1/2010—shouldn’t this be coming off soon?)
Original Creditor: First Premier Bank
Collection Agency/Current Debt Owner: First Premier Bank
Amount: 478.00
Status of Debt: Charged off
Type of Credit: Credit Card
Credit line vs. balance: Balance of 478 and limit of 300
Date of First Delinquency: 1/2015 (late payment- first delinquent action reported)
