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I need your help!

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Regular Contributor

I need your help!

Owner:LVNV Funding LLC
Original Creditor:WebBank
Merchant:Fingerhut
Origination Date:11/07/2012
Charge Off Date:02/19/2015
Charge Off Balance:$1,772.66
Charge Off Creditor:WebBank
Servicer:Resurgent - House
Servicer Phone: 

 

This is the last collection on my credit report.  I have been trying and trying to get an agreement with them, but no luck.  The origination date was 11/7/2012 and the charge off date was 2/19/2015 according to LVNV Funding website.  Can I get an early exclusion based on the origination date?!






Message 1 of 6
5 REPLIES 5
Moderator

Re: I need your help!


@conejochapin wrote:
Owner:LVNV Funding LLC
Original Creditor:WebBank
Merchant:Fingerhut
Origination Date:11/07/2012
Charge Off Date:02/19/2015
Charge Off Balance:$1,772.66
Charge Off Creditor:WebBank
Servicer:Resurgent - House
Servicer Phone: 

 

This is the last collection on my credit report.  I have been trying and trying to get an agreement with them, but no luck.  The origination date was 11/7/2012 and the charge off date was 2/19/2015 according to LVNV Funding website.  Can I get an early exclusion based on the origination date?!


I dont see how the CO comes after the date they received the collection. Its the DoFD set by the OC that matters and determines the time it can report. You need to know this date.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 6
Regular Contributor

Re: I need your help!

I have a collection with LVNV as well, I spoke with them yesterday and they are willing to settle for 40% but refuse to do a PFD even if I pay in full.

Maybe you will have better luck!
03/19/19
Experian: 571 | Equifax: 563 | TransUnion: 563

04/06/19
Experian: 591 | Equifax: 566 | TransUnion: 577
Message 3 of 6
Regular Contributor

Re: I need your help!


@gdale6 wrote:

@conejochapin wrote:
Owner:LVNV Funding LLC
Original Creditor:WebBank
Merchant:Fingerhut
Origination Date:11/07/2012
Charge Off Date:02/19/2015
Charge Off Balance:$1,772.66
Charge Off Creditor:WebBank
Servicer:Resurgent - House
Servicer Phone: 

 

This is the last collection on my credit report.  I have been trying and trying to get an agreement with them, but no luck.  The origination date was 11/7/2012 and the charge off date was 2/19/2015 according to LVNV Funding website.  Can I get an early exclusion based on the origination date?!


I dont see how the CO comes after the date they received the collection. Its the DoFD set by the OC that matters and determines the time it can report. You need to know this date.


DoFD was 04/2013 






Message 4 of 6
Regular Contributor

Re: I need your help!


@Bbradford71 wrote:
I have a collection with LVNV as well, I spoke with them yesterday and they are willing to settle for 40% but refuse to do a PFD even if I pay in full.

Maybe you will have better luck!

I have sent a handfull of letter, spoke with them, email them and nothing...  






Message 5 of 6
Moderator

Re: I need your help!


@conejochapin wrote:

@gdale6 wrote:

@conejochapin wrote:
Owner:LVNV Funding LLC
Original Creditor:WebBank
Merchant:Fingerhut
Origination Date:11/07/2012
Charge Off Date:02/19/2015
Charge Off Balance:$1,772.66
Charge Off Creditor:WebBank
Servicer:Resurgent - House
Servicer Phone: 

 

This is the last collection on my credit report.  I have been trying and trying to get an agreement with them, but no luck.  The origination date was 11/7/2012 and the charge off date was 2/19/2015 according to LVNV Funding website.  Can I get an early exclusion based on the origination date?!


I dont see how the CO comes after the date they received the collection. Its the DoFD set by the OC that matters and determines the time it can report. You need to know this date.


DoFD was 04/2013 


Ok, origination date must be open date of the account then so no it cannot be used. You can begin asking for EE 6 months prior to 04/2020

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 6 of 6
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