LVNV updated the file after WHYCHAT's letter?....

[anthrilliel]

So here is our timeline...

 

OC: Cap One

 

3/6/2008 opened

5/2008 DOFD

11/2008 C/O

 

<Account opened, used, charged off in FL. SOL went past while a resident of FL (4y)>

<Moved to in AFTER all the above and SOL is still past in IN (6y)>

 

10/08/14 Sent the first letter to CRAs mentioning the OC and the CA account ( http://whychat.5u.com/initdispltrsol.html )

10/16/14 TU deleted everything (yay)

10/17/14 EX removed only the OC

10/27/14 EQ removed only the OC

 

10/27/14 Sent the letter to the CA ( http://whychat.5u.com/nottoca.html )

10/30/14 It was received

 

11/01/14 <------ LVNV updated the EQ file and also added about 8$ to the total

 

11/03/14 The second round of letters went to the two CRAs ( http://whychat.5u.com/nottoca.html#FOLLOW )

11/07/14 They were delivered

 

11/20/14 <------ LVNV updated the EX file and also added about 8$ to the total

 

 

Should I send another letter to LVNV?

 

[mendelssohn]

At this point, why mess with them when it's so close to falling off from your reports.

 

You can start disputing as obsolete with TU now and EX and EQ in 3 months.

[anthrilliel]

The reports still show that it will not be falling off until January 2016? I am assuming that it is because LVNV reported date of major delinquency first reported was 01/2009?

Edited November 22, 2014 by anthrilliel

[mendelssohn]

The reports still show that it will not be falling off until January 2016? I am assuming that it is because LVNV reported date of major delinquency first reported was 01/2009?

 

If they are incorrectly reporting the DOFD, file a complaint with the CFPB and provide them with any evidence you have.

[anthrilliel]

they actually have the DOFD one month earlier than my records 04/2008 , this is why I am so confused with it. Otherwise if it is just three months till I can get it off as obsolete I can certainly wait till then