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Hi Everyone, I am in the midst of my credit repair journey (lots of derogs resulting from a job loss in 2007). All of my remaining negatives fall off my credit reports between March-September of this year, but I'd love to see if I can get them removed sooner. I'll post my other negatives in other threads, but I'd like to keep this thread dedicated to LVNV Funding & Capital One. I have a collection account with LVNV stemming from an old Capital One charge-off credit card. The card was charged off in 2008 (according to the CRA, I have no documentation from the OC about this) and apparently sold to LVNV. I don't remember receiving anything from the CA, but they've continued to report to my credit report every month. The accounts are past SOL in my state (6 years), and will fall off in May (I know, why bother, right? because I'd love to buy a house this year, so the sooner I can get these guys off, the better). I did an initial dispute letter through the CRAs, which LVNV and Cap One verified. LVNV then increased my balance owing by $500 (interest, I assume) and knocked me with another KD marking on my report. Of course, I received nothing in writing from them. Since the two tradelines are linked to the same account, I'd love to discuss good methods for disputing both. Here's how LVNV is reporting to the CRAs: LVNV FUNDING LLCPO Box 10497 Ste 110, Ms 576 Greenville, SC-296030497 (866) 464-1183 Account Number: XXXXXXXXXXXXXX Status: COLLECTION ACCOUNT Account Owner: Individual Account. High Credit: $1,675 Type of Account : Open Credit Limit: $0 Term Duration: Terms Frequency: Date Opened: 03/17/2008 Balance: $3,571 Date Reported: 02/11/2014 Amount Past Due: $3,571 Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 05/2008 Months Reviewed: 37 Creditor Classification: Financial Activity Designator: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Factoring Company Account (debt buyer) Date of First Delinquency: 08/2007 Comments: Consumer disputes this account information, Collection account And here's the CRA tradeline for the original charged-off Capital One Account CAPITAL ONEPO Box 30281 Salt Lake City, UT-841300281 Account Number: XXXXXXXXXXXX Status: CHARGE-OFF Account Owner: Individual Account. High Credit: Type of Account : Revolving Credit Limit: $1,000 Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 10/29/2004 Balance: $0 Date Reported: 01/13/2014 Amount Past Due: Date of Last Payment: 07/2007 Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 03/2008 Months Reviewed: 41 Creditor Classification: Activity Designator: Transfer/Sold Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Credit Card Date of First Delinquency: 08/2007 Comments: Paid charge off Does anyone have a good, tested method for disputing these guys? I've heard many have had success with filing a BBB complaint for LVNV (due to them reporting as a factoring company). I'm also considering Whychat's SOL method. I'm just not sure which route is the best to take. Any guidance would be greatly appreciated. Thanks!

Hi All, I just received a BBB response from a JDB that has been reporting false payments on my DH's report - I didn't go into the other no-no's they are reporting; I'll save those for a later date. I uploaded the release (printed "signature" not actually signed) with printed pages of the CR's only containing their info. The pages that contained other TL's were either cut off the page or blacked out. They requested copies of the credit reports.... now, I wasn't comfortable sending them full reports - it's none of their business what the rest of his TL's are. My question is... do they actually need full copies? My just sending the page, it doesn't show which CRA it is. Just one one which has the web address it was printed from. Also, how do I know those documents uploaded correctly? I didn't receive a confirmation they were uploaded, nor do I see them in "All attachments for this complaint" area. First time using BBB to file a complaint so I am unsure. Oh, and here is part of the response from the JDB (PRA)... PRA furnishes account information to the national credit reporting agencies, Equifax, Experian and TransUnion, in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association's Credit Reporting Resource Guide. We do not "report false payments." What a crock..."We do not report false payments" Liar, Liar, Pants on Fire!