In the whole scheme of starting to put my financial house in order, I checked all three of my major credit reports and my score on CreditKarma. On all of my reports and the CreditKarma website, I noticed a mysterious listing…and it made absolutely ZERO sense in the way it was being reported. The account was WAY out of the statute of limitations and had LOOOOOONG since been charged off, so I knew it was absolutely bogus.
For some reason, LVNV was listing an account that had a balance of over $800 that would mysteriously drop down to $650, then jump up to $705. Obviously, this listing was incorrect as I had not paid anybody at LVNV anything that would cause those leaps in the balance.
After I noticed the listing, I googled LVNV. Mostly I found negative comments about the company and how they were difficult to deal with when it came to validating debt. Whatever. I decided to face them head on and send a certified validation letter with a 30-day response window.
Those thirty days came to pass with no reply from the company after the certified letter was received. I filed a complaint with the South Carolina Attorney General, as well as three disputes with all the credit reporting agencies. I mailed out the original validation letter with a copy of the certified receipt and a screen shot of the listing on each credit report.
Now, here, two weeks later, I’ve received a confirmation from Equifax saying that the listing will be deleted. So hang in there, because these scumbags will try multiple things to stay on your CR than work out a settlement. Debt validation is your friend, if they can’t back up the listing, they’ll have to remove it.
I would be happy to share the letters I used to get the listing deleted, just leave me a comment and I can share.