Discover the Secrets to How I Beat Bill Collectors from LVNV Funding LLC, Erased Them From my Credit Reports, and Raised my Credit Score to 763!
My Story is True and I Can Prove It…Everything is Documented Below with Credit Bureau Letters, LVNV’s Collection Letters, my Credit Reports, and Credit Score Charts
“I started having trouble with LVNV Funding after some payment issues with my Sears charge card. I missed payments and owed the balance of my card from a few years back. I disagreed with Sears about what I owed them.
Even though I tried disputing the account directly with Sears, that didn’t stop LVNV Funding from completely ruining my credit history by placing collections all over my credit reports!”
Here is a real example of how LVNV Funding will show up on your credit report. They would not work with me no matter how often I tried to reach out to them.
“My first idea was to try to call Sears, and take care of the original debt. I learned right away that once a debt is sold to LVNV, they own rights to the debt.
If LVNV is calling you, they’re not just collecting for Sears or another one of their clients – they may have bought your debt and now own the rights to it!
This means they will be pursuing you in order to collect the full debt for themselves – which, naturally, results in them collecting the debt aggressively.”
(Most bill collectors get paid on commission so they ONLY GET PAID IF YOU PAY! PLACING NEGATIVE CREDIT ON YOUR REPORTS AND RUINING YOUR SCORE is just one tactic that LVNV Funding may use against you!)
The Day I Got Fed Up With LVNV Funding…
I had no idea how badly LVNV Funding was destroying my credit score. I hadn’t checked my score in a few months, but had no clue that it was so low.
LVNV had placed a collection/charge on my credit which is one of the worst items you can have
on your credit.
My score was 501 with Transunion!!! I was totally fed up and decided to finally do something about my miserable credit.
A charge off or collection will ruin a credit score. I found this out the hard way. My LVNV funding collection was destroying my credit!
The Secret to Beating LVNV Bill Collectors
I must admit that I made all kinds of mistakes when trying to get rid of LVNV Funding. Here are a few of the mistakes that only made things worse…
- I sent TOO MANY dispute letters. (It turns out that you can actually send too many letters to the credit bureaus, and they’ll mark your dispute as frivolous!)
- I also failed to ask for debt validation. I learned (much too late) that you have a limited time window to ask and receive debt validation.
- Finally, I tried getting LVNV to remove the bad credit by talking to them on the phone. This was a huge mistake and I learned that putting your demands in writing is the only way to get any results.
I thought that LVNV was going to be stuck on my credit forever. I did some research and found a credit repair law firm (www.lexingtonlaw.com) that had dealt with LVNV Funding and helped people just like me.
Here is a real letter from Experian stating that they have deleted my LVNV collection. I couldn’t have asked for better results!
In fact, I discovered that Lexington has removed thousands of LVNV Funding collection and charge offs items on behalf of their clients.
Here are some of the LVNV deletion statistics from Lexington Law. They’ve helped lots of folks just like me and I’m certain they can help you out of your credit situation too:
- 579 “Lvnv funding” collection deletions in Q1!
- 558 “Lvnv fundg llc” collection deletions in Q1!
- 271 “Lvnv fundg” collection deletions in Q1!
- A TOTAL of 1,493 LVNV Funding related collection items deleted in the first quarter (Q1) of 2008!
- 1280 “LVNV FUNDING LLC” collection deletions in Q2!
- 724 “lvnv funding” collection deletions in Q2!
- 547 “lvnv fundg” collection deletions in Q2!
- A TOTAL of 2,690 LVNV Funding related collection items deleted in the second quarter (Q2) of 2008!
- 1442 “lvnv funding llc” collection deletions in Q3!
- 397 “lvnv funding” collection deletions in Q3!
- 279 “lvnv fundg” collection deletions in Q3!
- A TOTAL of 2,209 LVNV Funding related collection items deleted in the third quarter (Q3) of 2008!
- 790 “LVNV FUNDING LLC” collection deletions in Q4!
- 274 “lvnv funding” collection deletions in Q4!
- 205 “lnvn fundg” collection deletions in Q4!
- A TOTAL of 1,314 LVNV Funding related collection items deleted in the fourth quarter (Q4) of 2008!
I’m proud to report that Lexington Law deleted all my LVNV collections and charge offs too!Just seeing the results on paper brought such relief to me. I wasn’t stressed out anymore. I knew that my credit life was being restored. I couldn’t have done it without the help of Lexington Law.
Lexington Law has experience deleting all types of questionable items including charge offs, collections, bankruptcy, judgments, repossessions, late payments and more.
Call toll free 1-800-768-3386 for help and a free credit consultation today!