How to Remove LVNV Funding From a Credit Report

LVNV Funding is a junk debt buyer that purchases debt that creditors were unable to collect. LVNV purchases a wide variety of debt and operates under numerous names. While you may find you have an account showing on your credit report by LVNV Funding, you cannot just call a credit bureau and request the account be removed. You must follow a process to have any account removed from your credit report, and there is no guarantee the account will be removed.

Instructions

1

Look at every aspect of the LVNV Funding account reporting on your credit report. Try to find any error in the listing. The Federal Trade Commission (FTC) enforces the Fair Credit Reporting Act (FCRA) that gives you the right to dispute any incorrect listing on your credit report. The error can be as simple as a date or type of account, but you need to find some error to dispute the account. You do not need to prove the error, but you should have some reason to believe the information is wrong. Perhaps you remember the account being opened in a certain month, and LVNV is reporting a different month. You then have reason to dispute the account.

2

Find the credit bureau's dispute address, website or phone number in the credit report as well as the file number. File your dispute in the manner you prefer. Write a letter listing the LVNV account, and include your personal information and credit file number. Call the dispute number listed on the credit report or sign online at the website address listed. Whichever way you prefer, you will need to enter the account information, and the name of the creditor.

3

Wait for the credit bureau to process the dispute request. When you initiate the dispute, the credit bureau contacts LVNV and asks the company to verify, or update the information listed on the credit report. LVNV is given 30 days to respond to the inquiry. The account will be updated or verified if LVNV responds, but if LVNV fails to respond, the entire account will be deleted. The credit bureau will send you a letter in the mail or contact you via email if you disputed via the website. The letter will show the results of the dispute, and in some cases you will get a new credit report showing the changes.