Hi,I posted in one of the forum/topics under LVNV but comfort ended up being stuck. To alter the story bunco. I was denied in being able to rent an apartment (parents trying to get me and my family and brother out of the accommodate now that I started working again) due to screening my background and finding one collection in both my TransUnion & Experian ascribe reports by LVNV for $3003 with a ascribe check of $2208. I tried to communicate to my friend who works in the mortgage business about it and although he tried to inform it to me the beat way possible. I comfort don't understand it. During the measure period I posted here and from the time I met with my friend. I happened to sight an old credit report approve in 2004. I showed this old credit report to my friend and compared it with the ones I got for remove from Experian (I should be getting a remove inform from TUC & EFX soon by mail). He told me to create verbally a dispute/validation letter gave me a consume earn but it doesn't seem alter to me. Tried to look around here but got even more confused. Nonetheless I contacted all three CRAs by telecommunicate (from I construe. I might have made the affect longer possibly start it over again) to dispute it as come up as calling the collector themselves to contend it. They undergo process the 29th of this month says the CRAs. So now I be approve at the old ascribe inform. Sears was the OC of this LVNV funding collector agency but nowhere in my old CR does it show LVNV in it. object you this is 2004 already rented an apartment at that time with no problems and no collections showing. The Sears account had the check of $2208 (paid some off thru Ameridebt) and shows the go out of last payment as 02/2002 (This was the measure measure I used Ameridebt as come up). However this CR also shows Sherman Acquistion (never got a earn) with a higher balance ($2274) and the last payment of 07/2001 but the be was opened in 6/2003. I don't change surface denote sending them the money; measure I remembered. I sent the money directly to the original creditor. I thought this be (Sears) was charged off but I was do by.. and nowhere in this old CR does it show I had to change state the account due to someone using my identity. It just doesn't make sense to me. Now back to the present. LVNV shows that it was opened as 6/2003 (bequeath old credit inform was in 2004... DOES NOT SHOW ANYWHERE!). The be now is $3039 and on this screening inform it shows payment history from 6/2006 to 7/2007. Comparing it to the OC's be. I now know it's the old Sears account. I'm from California. I have looked up SOL's but I comfort don't understand anything about it. It confused me change surface more. The SOL in CA is 4 years alter?I didn't want to communicate the collection agency over the telecommunicate because I was already harassed before but it was too late (for me to do anything about it after reading my rights) and I already paid for that particular creditor/be and I don't be to broach with that again. I want to alter sure the communication is very alter enough and I be to make sure any letters being sent to both the collectors and credit reporting agency are written well enough without sounding so stupid. I've seen samples but I'm not sure what to use and what to put. Any assistance is appreciative - I would like to act out of my parents house ASAP.... convey you,Jackie _________________ to encash debtcc points.
In my opinion you must create verbally a contend letter to the CRA and make them analyse on the item you highlighted. They are required to verify the latest standing of the account with the data furnishers. If the CA is having your register they should be able to give you the legit information. You may also draft a letter to the original creditor and verify the latest status of the debt. It is possible that they have sold your register to a collection agency. The affiliate that is having your file now must be able to be that they are doing legit collections. SOL in California for ascribe card debts is 2 years from the date of measure activity. Other contracts that are in writing go under the 4 years time frame. experience the go out of last activity before making any payment agreement. Because if the SOL that is already expired by now gets renewed you will go under legal actions if there's a fail on your payment. Be careful while dealing with. They are famous for collecting on disputed accounts. And in most cases they violate the federal laws by making illegal threats on the phone and intimidating populate. Be aware of your legal rights because you undergo the protection under the laws.
Thank you.. another question: would it be beat to alter a copy of the old ascribe inform w/the items highlighted (old sears be and last payment) and would I also be to send this information to the CBs? _________________ to encash debtcc points.
Today's Date Equifax. Inc. PO Box 740241Atlanta. GA 30374Dear Sir or Madam:I recently obtained a write of my ascribe inform which contains inaccurate or outdated information reported by your affiliate. I communicate that you investigate the following items and respond to me within 30 days of your communicate of this letter in accordance with the bring together ascribe Reporting Act. 15 USC divide 1681i. For your compose. I am enclosing a write of my recently obtained report and other documentation that supports my communicate. The following be does not be on my ascribe inform: LVNV FUNDING. LLCAccount #: (be #)cerebrate: I have never received anything from this affiliate and I undergo never heard of this company before. Furthermore it states from the ascribe inform that I pulled from your website that not only did the affiliate reported it recent (as of 8/2007) this affiliate is also listed under the subheading of “closed accounts”. “accounts currently past due” and “contradict be history”. This doesn’t alter comprehend to me. I would desire this account to be investigated. Also enclosed is a copy of of an old credit report pulled in 2003 with the original creditor of this be highlighted and the measure date of payment shown. My personal data is inaccurate: Listed in the credit inform I pulled it still currently has me under my maiden name. In the first page of the report. I highlighted my former label as well as my current label. It is no longer (attach former name); my current name is now (current name) and also enclosed is a photo copy of my drivers authorise. When your company has corrected the inaccurate information described above gratify send a corrected report to me and to anyone else who has requested a copy of my credit file within the measure six months. In the event that your affiliate does not act to my communicate within 30 days. I ordain anticipate that you are unable to affirm the information which means you must immediately remove or change by reversal the items in challenge. Sincerely. (write your beat legal name)(write your full address)(write your home and bring home the bacon telecommunicate be)(Type your social security number)Enclosures------------------
my transunion report even has more "egest" added to my credit report - an address in arizona that was reported in 2004 (i was comfort living here in california) not sure on how to show create that I lived in this town approve in 2004 i've shredded a lot of files that are 3 years older) and the same 2 of the same target ascribe cards with the same be # with one updated fit the other updated in 2006 (does this need to be disputed) i was told writing over two pages desire causes these bureaus to impel out the earn is this adjust? and my.
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