I love this game Posted May 20, 2007 Report Share Posted May 20, 2007 I have an hsbc (oc) acct I disputed and dv'd (closed transferred to another lender) its been removed from tu and eq still working on ex. OC sent me two letters in the dv process one copy of a signed cc agreement dated 5/15/00 which means sol is almost up. Another letter stating they sold the acct to Sherman Acquistions but LVNV is the one reporting. I know that both ca's are the same comp or subsids but dont the cra's have to report the sherman and not lvnv? Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted May 20, 2007 Report Share Posted May 20, 2007 1) You don't DV an OC, only CAs...2) The signed agreement doesn't mean the SOL or reporting period is almost up, it's from the DOFD (date of first deliquency) on the account.3) If the company has multiple names, they can report whatever name they want to the CRAs.For instance, my card with Orchard shows as HSBC NV on one report, Household Bank on another, none of them say Orchard. Link to comment Share on other sites More sharing options...
I love this game Posted May 20, 2007 Author Report Share Posted May 20, 2007 Sorry if post was unclear I disputed w/ cra's and dv'd the ca the comment on the sol is because I never paid on the account making 5/15/00 the dofd correct?Thanks for your help Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted May 20, 2007 Report Share Posted May 20, 2007 Well, DOFD would be from the date you were first were supposed to make a payment, and didn't. So, if you never paid, it's that date or shortly thereafter. If that is the case, just wait for it to fall off, why sweat it? Link to comment Share on other sites More sharing options...
I love this game Posted May 20, 2007 Author Report Share Posted May 20, 2007 Well, DOFD would be from the date you were first were supposed to make a payment, and didn't. So, if you never paid, it's that date or shortly thereafter. If that is the case, just wait for it to fall off, why sweat it?Im trying to purchase a home and I have been paying (2 pfd's to date) and disputing thanks to all the help here. Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted May 20, 2007 Report Share Posted May 20, 2007 OCs are hard to get off if they insist on verifying and they've sold the account. Obviously, because they sold they can't PFD. You can try goodwill letters to the top executives. Link to comment Share on other sites More sharing options...
TheRoadBack Posted May 20, 2007 Report Share Posted May 20, 2007 OCs are hard to get off if they insist on verifying and they've sold the account. Obviously, because they sold they can't PFD. You can try goodwill letters to the top executives.If they sold the account and no longer have the information how can they verify with the cra's? Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted May 20, 2007 Report Share Posted May 20, 2007 Sold the account does not equal no information. Link to comment Share on other sites More sharing options...
I love this game Posted May 20, 2007 Author Report Share Posted May 20, 2007 If they sold the account and no longer have the information how can they verify with the cra's?The oc actually doesnt have any info on the account i spoke with them more than once.. Link to comment Share on other sites More sharing options...
Tazjeepcj7 Posted May 21, 2007 Report Share Posted May 21, 2007 Experian seems to be "in bed" with Sherman/LVNV Funding/Resurgent. There is a "credit repair" primer that tells you to record the name of the contact with the original creditor that states they have no info on your account, then dispute the item with the credit reporting agency referencing the contact with the original creditor. But you said the original creditor sent you the info that they sold the account to sherman and a signed cc document... Link to comment Share on other sites More sharing options...
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