Credit Report Disputes & LVNV Funding
I was preparing to send out around of dispute letters to the CRAs but all of a sudden..LVNV Funding shows up on my reports and it's reporting with the same acct# as HSBC/BSBUY...LVNV is reporting open...120 days or more past due on EQand on EX they are reporting it as closed seriously past due date. WTF is going on? Are they allowed to report the account twice? And why are they reporting current saying that the open date was 2/1/09 and HSBC reporting open date as 08/2007? I heard alot of negative stuff about how shisty LVNV is..what should I do next? 1 2 punch somebody......physically!!! Seriously...I need help and now I feel stuck at a standstill...their entry made my score drop!
Account Name: HSBC/BSBUY HSBC BEST BUY HSBC/BSTBY
Account Number: 27XXXX 169607-215357XXXX 70212721XXXX
Acct Type:Revolving Charge Account Revolving or Option Revolvingaccount
Acct Status: Closed Closed
Monthly Payment: $62.00
Date Open: 8/1/2007 8/1/2007 8/9/2007
Balance: $0.00 $0.00
Terms: Revolving
High Balance: $709.00 $709.00 $709.00
Limit: $0.00 $500.00
Past Due: $0.00
Payment Status: Account transferred to another office At least 120 days or more than four payments past due 120 days past due
Comments: Transferred to another lender or claim purchased
ACCOUNT TRANSFERRED OR SOLD
CHARGE
Purchased by another lender
Here's LVNV Funding entry....
Account Name: LVNV FUNDING LLC LVNV FUNDING LLC
Account Number: 702127215357XXXX 702127215357XXXX
Acct Type:Extension,Review,OrCollection Open Account
Acct Status: Closed
Monthly Payment:
Date Open: 2/1/2009 2/1/2009
Balance: $717.00 $717.00
Terms: 1 Month
High Balance: $709.00
Limit:
Past Due: $717.00 $717.00
Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department .......... At least 120 days or more than four payments past due
Comments: COLLECTION ACCOUNT
THESE PPL ARE KILLING MY SCORE!!!! What next? someone help!
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