LVNV Funding LLC – My Story
“How You Can Get Rid of Bill Collectors from LVNV Funding LLC and Wipe Your Credit Report Clean With Lexington Law”
Hello, my name is Casey and LVNV Funding LLC completely ruined my credit! If you read this page, you can learn how I got them off my credit!
-My Personal, True Story, Complete with Real Documentation Including Credit Reports, Credit Score Charts, and LVNV Funding Collection Letters.
It’s no secret that the past few years have been rough. Like many Americans, I’d been having trouble keeping up with all of my expenses. I tried to avoid using credit cards, but sometimes those store cards are hard to resist. A few years ago, I opened a Sears store credit card in order to take advantage of their introductory zero percent interest offer.
It seemed like a good idea. I could purchase a very nice gift for my father, and pay the balance off in six months. Well, in six months I’d forgotten about the card. I missed a few payments. Once I realized what was going on, I had some questions about the way the interest was being calculated. I disagreed with the amount Sears thought I owed, so I still didn’t want to pay the balance on the card.
After many attempts to discuss my account with Sears and resolve the dispute directly, I was getting frustrated. So you can imagine how upset I was when Sears sold my debt to LVNV Funding! This company started sending me all kinds of obnoxious letters, and even calling me on my home phone.
Lexington Law Deleted LVNV Funding LLC from My Credit Reports within Days. My Score Increased as a results, around 120 Points.
They were incredibly aggressive in trying to collect on my debt. They kept demanding that I pay, but they wouldn’t listen to my side of the story. I couldn’t understand why they were so obstinate. I tried to talking to Sears again, but the Sears representative told me that once a debt is given to LVNV Funding for collections, Sears no longer has any say in the matter. Basically, LVNV Funding owned me, and they could ruin my credit if I didn’t pay them.
One important thing I learned about bill collectors is that they work on commission. In other words, they only make money if you pay your debt. So, naturally getting you to pay is their primary goal, and they are not going to want to discuss any other ways to resolve the situation.
Here is my horrific charge off debt that LVNV funding llc purchased and hounded me for relentlessly
They don’t care if the situation is fair or if you really owe the full amount. As one of their tactics of getting people to pay, bill collectors will place collections on your credit report and RUIN your credit score.
When I checked my credit score, I found that LVNV Funding was indeed using their typical credit-destroying collection method on me. Because they had placed a collection/charge on my credit report, my score had dropped to 501 with Transunion!
LVNV funding llc brought my credit score down to a 501. I could not get a loan from the bank for a car, or a mortgage, it was chaos.
I couldn’t believe what a terrible credit score I now had. I’d never gotten an F on anything in my life, but now I had one on my credit report. I knew it was all thanks to the collection charge placed by LVNV Funding. I checked my credit score on Experia and Equifax and the results were just as dire. I said goodbye to my dreams of buying a new car.
All this time, I was still trying to fight this battle on my own. I was actually embarrassed to talk to anyone else about it. Sure, I knew that this sort of thing happens to people all the time. I even knew some people with bad debt personally. I liked and respected them, but all the same, I didn’t want to admit that I was now “one of them.”
I knew I had made a mistake in missing payments on my card, but at the same time I also felt that the whole situation was unfair. I did not want to pay what I perceived as an incorrect balance. I was very stubborn about the whole thing!
Because I wanted to handle the LVNV Funding situation on my own, I spent a lot of time writing letters, waiting on hold, and arguing with various LVNV representatives on the phone. I was soon to discover that all this time was WASTED. Here’s what I learned:
My score improved to 745 after lvnv funding llc was erased.
First of all, you should never discuss your debt with a collection agency on the phone. For your own protection, you need to have everything in writing. Written communication is the only way to get results with LVNV Funding.
Second, you have to be careful when you write letters to a bill collection agency or to the credit bureaus. Writing too many letters is worse than writing none at all. If you write too many letters, your dispute can be marked as frivolous and they’ll never listen to you after that happens.
Third, I learned that what I really should have done from day one was ask for a debt validation. There is a limited time frame during which you can request and receive a debt validation. Of course by the time I learned about debt validation I had completely missed the window of opportunity.
Once I had learned all of this, I felt like I had totally destroyed any chance I had to get the debt removed and my credit repaired. I was extremely disappointed and very angry at myself. Of course, I was also very upset and frustrated with LVNV Funding. Even if they had given me a chance to talk, at this point I couldn’t have discussed matters in a civil manner!
Just when I was at the point of giving up on the whole situation, I discovered Lexington Law credit repair service. On their website (www.lexingtonlaw.com) I read about how they’d helped people fight LVNV Funding. In fact, Lexington Law has gotten thousands of collection items and charge offs deleted from their clients’ credit reports.
Because of this impressive track record, I knew that Lexington Law was a legitimate, professional service that could get results. For the first time in months, I felt like there was real hope for me.
Once I contacted Lexington Law, I felt like a huge burden was lifted. I didn’t have to worry about what to do about my debt any more. Lexington Law took care of everything.
Soon, I started getting letters in the mail from the various credit bureaus. The letters said that my LVNV collection had been deleted from my credit report! Finally, I was free from the harassing attentions of LVNV Funding. I was so happy I almost wanted to get the letters framed!
Now that my collections and charge offs have been deleted, I’m on my way to restoring my good credit. In a few years, it will be like none of this ever even happened. All of the credit goes to Lexington Law’s credit repair service.
They got my collections deleted, even after I’d messed up the dispute process to the point where I thought that the situation was hopeless. I am so grateful to Lexington Law!
If my situation sounds familiar, you should definitely contact Lexington Law. They can stop the bill collectors from harassing you, get your charge offs deleted, and set you on the path to restoring your good credit.
It doesn’t matter if your problem is a charge off, a collection, bankruptcy, judgment, repossession, late payment, or other credit-damaging item. Lexington Law can help.
All you have to do is call 1-800-251-3505! You’ll get a free credit consultation and help from experts.
If you’re still not convinced, take a look at these statistics:
- 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 funding” collection deletions in Q4!
- A TOTAL of 1,314 LVNV Funding related collection items deleted in the fourth quarter (Q4) of 2008!
Remember, you can’t fight bill collection companies like LVNV Funding on your own. Learn from my experience, and take your problem straight to Lexington Law before the collection companies have a chance to ruin your credit.
Of course the best way to maintain good credit is never to miss a payment. But no one’s perfect, and sometimes you can’t control what expenses pop up in your life. If I had the chance to go back in time and do things over, I’d skip being ashamed of my bad credit and call Lexington law right away!
