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LVNV Funding - Removed

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Regular Contributor

Re: LVNV Funding - Removed

LVNV is my last collectiona ccount, It is paid in full however I am unable to get them to remove it since they don't accept PFD. With that being said may I ask what you disputed so I can give it a shot? Could anything bad happen from disputing it since its paid in full?

Score as of 7/9/19
Fico 8
EXP 618
Message 11 of 15
Community Leader
Mega Contributor

Re: LVNV Funding - Removed

@gooty1  a lot of bad things can happen when disputing valid reporting, and I am pretty sure this was covered in your previous threads. 

 

I am glad it worked out for OP, but it does not work for majority of people. 

Again, if it comes back as verified, your score will drop because update to negative account makes delinquency appear more recent for scoring purposes.

 

You're however more than welcome to try. If anything, it will provide some interesting data points. 

Message 12 of 15
New Member

Re: LVNV Funding - Removed

I wanted to commment on the lates to Capitalone... I had a similar situation but they closed and I just found out thanks to this forum that I can send in a letter explainiing why I had the lates, with proof and Capitalone not only removed all teh lates from my reports but they also reopened my account addig to the length of my credit file. It is worth a shot, I sent an email with supporting documents explaining all my lates and they sent me letters informing me that all would be deleted.

 

 

Message 13 of 15
Moderator

Re: LVNV Funding - Removed


@Mayfield53 wrote:

I wanted to commment on the lates to Capitalone... I had a similar situation but they closed and I just found out thanks to this forum that I can send in a letter explainiing why I had the lates, with proof and Capitalone not only removed all teh lates from my reports but they also reopened my account addig to the length of my credit file. It is worth a shot, I sent an email with supporting documents explaining all my lates and they sent me letters informing me that all would be deleted.

 

 


Wow, congrats on this.

"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 14 of 15
Highlighted
Senior Contributor

Re: LVNV Funding - Removed


@Mayfield53 wrote:

I wanted to commment on the lates to Capitalone... I had a similar situation but they closed and I just found out thanks to this forum that I can send in a letter explainiing why I had the lates, with proof and Capitalone not only removed all teh lates from my reports but they also reopened my account addig to the length of my credit file. It is worth a shot, I sent an email with supporting documents explaining all my lates and they sent me letters informing me that all would be deleted.

 

 


Another success that happens one out of a 1000 requests. Good job! And congrats!





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 15 of 15
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