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  1. #1
    Join Date
    Dec 2013
    Location
    La Habra, California, United States
    Posts
    2

    Default Removing Credit Report Entries from a Debt Collector

    My question involves collection proceedings in the State of: California

    I just looked at my credit report through Credit Karma and noticed it had plummeted 35 points due to a new "Loan" on my report. Of course I went into research mode and found out that the "loan" company was actually a debt collector. LVNV Funding LLC. had bought a credit card debt that was charged off in 2007. California SOL is 4 years. I pulled up my TransUnion report and I see that they have had a record on my report since 12/30/11 the charge off date for this card was 2/22/2007 so they still missed the SOL.

    I have not received communication from LVNV that I am aware of. They also operate under Resurgent Capital Services, that name sounds familiar but it's been a long time since I have heard from any debt collector.

    How do I get this removed? I have been doing a bit of research and a Zombie Debt letter just doesn't seem right since they aren't contacting me. I could be wrong though. any advice would be helpful.

    Thank you!

  2. #2
    Join Date
    Jan 2006
    Posts
    38,159

    Default Re: Removing Credit Report Entries from a Debt Collector

    How do I get this removed?
    you wait



    charged off has no meaning

    the 4 year sol has no meaning for reporting purposes


    the debt can be reported for 7 (and I think 1/2) years from first delinquency. Once it passes that point, then you can demand it be removed from your report. Until then, well, it is what it is.

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