Moriartii

I dont mind the hijack at all, if you want you can keep it here if it is easier. Good information for both KMM and myself as well as others. Cheers K

Cprems- I have done the following: *I am doing the 1-2 punch, I have sent the appropriate letters to the CA/JDA and the CRA *I did cite the fact I am a Texas resident, however being rusty (I have not had to mess with this since 2009) I did NOT specifically cite the Texas statutes by name however an allusion was made to them. *I sent the letters to the address noted in my credit report AND to the corporate address of LVNV that Muny as listed in one of their threads as well. *Nothing has been admitted in writing regarding the trade line with the original creditor, as previously stated the original trade line is scheduled to fall off next month meaning it has been 7 years since DOFD. *Trade line does not specifically call out DOFD however it shows 90 days past due as of January/February 2005 I believe. I think I am doing pretty well EXCEPT for not specifically citing the Texas statutes. Thoughts or further insight would be greatly appreciated!!! Thank you and cheers K

Seems like LVNV had a bit of a field say the beginning of October. Luving and KMM look through Muny and Jack1212' post regarding these guys, some good info in there. I spent some time last night review their posts. I love one of Muny's letters!!!! Good luck to us all getting these turds removed. Cheers K

I just got a credit alert today and a collections showed up on it, apparently LVNV Funding LLC decided to buy a charged off debt from Capital One. It has been a while since I have been on the boards so am a bit rusty. Situation is this: I am a resident of Texas Capital One card has been charged off and is outside SOL (Texas is 4 years) with it scheduled to drop off my CR November of 2011. LVNV just purchased the debt and states via my CR that it was opened as of last month Issues I see: Outside of SOL for my state Reporting incorrectly of a re-aged debt What I have done: Sent LVNV a dispute/validate the debt letter I have NOT received anything from LVNV by way of communication, the only way I found out about this was via the monitoring service alert. Questions I have while searching and waiting: Since the original debt is going to drop from my CR due to it being 7 years what does the LVNV gain other then messing with my score for say a month? Also any suggestions other than use the search button? Cheers K

While you may still get the generic responses they are known for, I believe it is still a good idea to send. This is because it builds a paper trail. Basically you do this: Round 1 Send letters disputing, they verify Round 2 You say ok tell me how you did this so I can replicate your methods for myself. They send the general blah blah response. Round 3 You send a "ok you have had two previous chances to get it right" this is your third chance. Get it right or I am seeking legal recourse, AG, FTC ect. This either gets their attention or they blow you off again. You have now created a documented paper trail that you can show to a judge, attorney, AG, BBB, FTC ect to show your actions. Cheers K

Well I dont care what you say I smell cinnabuns and am waiting for someone to come clean my dayam house!!!!! K

Have you read savetherobots posts? K

Yes that would be the one! LOL I have changed the word fraudulent out as I am going on the assumption that the keyboard jockey isnt smart enough to actually read. I assume they see fraud and put the FA on the accounts. Did you successfully get the FA off your acounts? Cheers K

Hello and happy new year! I am sending out the follow up letter that WhyChat advises to send if you have not heard back from the OC after 14 days regarding a repo deficiency that is past the 4 year SOL in Texas. I have given the OC 14 business days to reply. The letter is going out Tuesday (the 14th day) to the CRA's. Question is what do I do after I send the letter certified mail? Do I pursue anything further with the OC? Do I wait a certain amount of time and pursue anything with the CRAs? Bottom line is I want this off my CR. Thoughts? K

While this is not an action you wanted, I believe when rate or lender shopping inqs that occur within 30 days only count as one. I am working on an auto loan and when mentioning the inqs from my dealer my CU person told me this. Cheers K

So riddle me this, the account was sold to a CA but is sill reporting as charge off with a balance by the OC. Thoughts? K

It is my understanding that if an account has been charged off it should have the current balance reported as 0? Is this a correct assumption? K

That is what I thought as well. Thank you Beli for helping firm that thought up. Cheers K

But here is a question, I am in Texas which has a SOL of four years. OC is in ME which has a SOL of 6 or possibly more with attestment (not sure what that is). Which takes precedent, Tx or ME? K

Basically just told them "it appears we dont have an agreement." All I wanted was paid marked across the board, is that so hard. K