How to Remove LVNV Funding From Your Credit Report
LVNV Funding LLC is a collection agency that goes after consumers who have allegedly failed to honor a contract. LVNV Funding is a debt buyer rather than simply an agency who collects on a commission basis for a third-party. What this means is that LVNV Funding actually purchases a debt from the original creditor and therefore gains all rights under the original contract. For example, if LVNV Funding bought your charged off Sears & Roebuck credit card account, you no longer owe Sears & Roebuck. Instead, you owe LVNV Funding. Sears & Roebuck no longer has anything to with the account.
LVNV Funding usually purchases consumer debt such as credit card or retail debt, e.g. Sears & Roebuck. LVNV Funding is commonly known to use intimidating debt collection techniques like repetitive phone calls, collection (or dunning) letters, and reporting derogatory credit information on your credit report.
LVNV Funding may be reporting negative information about your credit history which can stand in the way of a bank approving you for a loan, such as a mortgage, auto loan, or bank card.
Fortunately credit reporting laws may give you a loophole which you can use to get derogatory LVNV Funding items deleted from your credit record. Sometimes you can study these laws and repair your credit by using self-help techniques. A quicker alternative is to contact a credit credit repair agency who is familiar with the credit reporting laws. This is exactly what I did and I got amazing results.
I Got Rid of LVNV Funding and Fixed my Credit Score
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LVNV Funding LLC bought one of my credit card debts from Sears and then reported a "Charge Off/Collection" to the credit bureaus. I contacted LVNV as well as the credit reporting agencies to see if they would agree to delete the information. I got nowhere. In addition to LVNV Funding, I was dealing with other collection agencies and delinquencies.
I was sick of getting rejected for credit and having a bad score so I decided to enroll in a credit repair firm. I contacted the Lexington Law Firm and they immediately began repairing my credit. They got rid of my LVNV Funding collection as well as other negative items. I got excited whenever my case manager notified me of a new deletion. Here is a letter I got in the mail showing that LVNV Funding was deleted for good!
Here is the deletion letter showing the LVNV Funding Collection was Deleted!
Letter Showing LVNV Funding was Erased! 
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Bad Credit Removed = 700+ Credit Score
Without the bad credit charge offs, collections, etc., my credit score was actually above the national credit score average of 697. Because of the Lexington Law program, my credit score went up by 141 points!
Here is a chart which shows how my score improved every month:
Credit Score Chart  |
I would recommend the Lexington Law Firm to anyone struggling with bad credit like collection agencies and charge offs. They can improve your credit rating by erasing charge offs, collection agencies, foreclosure, bankruptcy, and more.
Delete LVNV Funding - Let Lexington Law Fix Your Credit!