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gchesterton
Joined: 13 Nov 2008
gchesterton's page
Posts: 1
40 Magic Points
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Subject: need help disputing LVNV funding
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Thu Nov 13, 2008 5:27 am
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I need help disputing lvnv funding on my credit report.
My credit report does not have a date opened, date of last delinquency, charge off amount, and is missing alot of other info what can I use to dispute this? I just mailed out a dv letter. Please help |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3735
10 Magic Points
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Sat Nov 15, 2008 12:45 am
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You can find a dispute letter on this forum under the stickies. You really need to get this straightened out, the dates need to be there or this debt will be there forever. There is not even a fall off date, I would get this corrected as soon as possible.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Mon Nov 17, 2008 5:41 am
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Hi Gchesterton
Since you have already send a debt validation letter by certified mail, you should now wait for 30 days from the date they have received the letter. You should send the DV letter by certified mail with return receipt as a proof that you have asked for debt validation. If they can validate your debt, the validation will contain the details of your debt, the last date of your delinquency and the proof that the original creditor has sold off the debt to them. You need not dispute the listing right now, and wait for 30 days for their validation.
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Keep in touch
Carol |
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Justin
Joined: 17 Jul 2006
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Posts: 1093
25288 Magic Points
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Mon Nov 17, 2008 5:48 am
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Yes, I agree with Carol. However, you should note that if the CA has listed the debt in your credit report, it does not necessarily mean that they have charged off your debt. Now, if they validate your debt, you should go for a pay for deletion agreement first before you start paying off the debt. However, since the debt has been sold off to lvnv, only the CA listing will be removed and not the OC listing (if it has been listed). Now, even if your debt has been charged off by the creditor you should make arrangements to pay off the debt, provided they validate your debt, else there can be judgment against you.
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All the Best 
Justin |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Mon Nov 17, 2008 6:00 am
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If they cannot validate the debt within 30 days from the date of receipt of the DV letter, you can send a dispute letter to the credit bureaus telling them that you do not agree with the LVNV listing. The credit bureaus will verify it with the creditors and get it removed from your report. You can find a sample debt dispute letter if you visit the link http://www.creditmagic.org/letters/index.html
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3735
10 Magic Points
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Mon Nov 17, 2008 2:32 pm
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Does this work though, have you tried this and been successful? Do you have a clue how to get negatives that are paid off on your report, I need help with this one.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4124
1011 Magic Points
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Mon Nov 17, 2008 11:52 pm
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| What I do not get is if they varify it with the creditors they have a chance to say no. Some of these places will wait and make you hold out and you still fight to get items removed. Can't the person theirselves show they sent they certified debt vaslidation letter and never got a response to get it removed? They shoujld have to show they validated. |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17413 Magic Points
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Tue Nov 18, 2008 9:10 am
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Hi fireyone
You can definitely send a copy of the receipt that you received while you send the DV letter by certified mail. But this copy of the receipt does not prove that they have not yet validated your debt. It may happen that you have received the validation and still you send the dispute letter asking them to remove the listing without making any payment towards the debt. This is the main reason why the credit bureaus will again verify it with the creditors before removing the listing from your credit report.
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Where there's a will, there's a way !! |
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fireyone
Joined: 26 Feb 2008
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Posts: 4124
1011 Magic Points
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Wed Nov 19, 2008 5:59 pm
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| Oh I get it now. I never thought od a person actually having the validation and still disputing it. So how does one prove that the debt has not been validated if the receipt does not work and they can not show the creditor did not validate the debt. Do they have to show validation to the credit reporting agency once it is diputed? I would think that thye would. |
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theicon
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Subject: LVNV
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Wed Feb 18, 2009 6:39 am
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| LVNV purchased an old account from GE Money Bank in 2005. Should I send a debt validation letter to the the original creditor or to LVNV to validate the information on my credit report? From there do I go to the pay for deletion letter to the original creditor to remove both negative information from original creditor and LVNV? |
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Cchristopher
Guest
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Subject: LVNV OFF MY CREADT REPORT
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Sun Aug 30, 2009 2:19 am
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| I disputed theme and boom there gone. I recorded all phones calls and call the ftc for vilaltions of laws. the goverment force theme off my reports YEAH!!!!!!!!!!! |
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