I have had LVNV Funding LLC on my credit reports for past due debts. It was not a fun experience, but I was able to fix my credit score and get rid of the debts.

LVNV Funding LLC is a debt collection agency that is located in Greenville, SC. This company has built its entire business and their corresponding profits by indulging in purchase and sale of third party debts. What his company does is that it purchases unpaid or unrealized debts from financial institutions.

This purchase is done at dirt cheap prices, because they buy in bulk. And we all know how cheap bulk is bought. After that LVNV Funding proceeds towards the next step that is most crucial to their business. This involves contacting the customers and asking them to pay up the outstanding debts in addition to several different charges and fines attached to it.

This process can be described as being more painful than the birthing process (for the debtors of course). LVNV Funding LLC makes sure that the debtors are put through hell while they are being harassed to pay up in the minimum possible time.

All kinds of negative behavior and underhand techniques await the debtor, as the debt collection agencies try to squeeze maximum amounts of money from them.

Debt is a debt, no matter what is the reason that you take it for. Take for instance my example. Let me introduce myself. I am Casey. I fell in to the huge debt trap black hole because I wanted to fund my education.

Even though this reason is far better than falling into debts for buying fancy gizmos and spending money like water on unnecessary stuff, yet the final outcome is one and the same.  Because once you default on your credit card or any other payments, no one bothers to stop and ask if you had been spending the cash on an exotic vacation or in securing your future by getting some education.

Well to cut a long story short, I took a lot of loans to fund my college. Part of them was student loans, and some were funded by credit cards. And the thing is that credit card companies are only too eager to lure you in to their credit trap.

Maybe that explains why they do not even bother to enquire much and have an almost automated mechanism to get your credit application approved. Well, I did run up to $60,000 in debts for my college fees and expenses. But to be honest I did spend a bit of that cash in some extra-curricular stuff too. Call me irresponsible, but I was young and a bit reckless too.

I had planned to pay off all my EMIs and monthly bills by waiting at tables, which I was doing part time after college hours. But you know that my earnings were almost meager when compared to the bills I had to clear.

Slowly and gradually things started taking a turn for the worse. I defaulted on one, then two and then some more of my credit card bills and EMIs. Sure enough, I was in soon in trouble as the credit card company and my bank got tired of sending me warning letters and intimations to complete the outstanding debts. They found an easier way out by charging off my debts to third party debt collection agencies Like LVNV Funding LLC.

Now the entire picture changed overnight. I had 2 / 3 debt collection agencies hot on my trail. They made sure that I was put through living hell. And there was nothing I could do to pay back all the huge amounts of debts that had accumulated by then. And you know how debt collection agencies function.

They add a lot of extra charges, fines and service charges to the original outstanding debts and then expect the debtors to clear the entire amount in a short duration of time. Did they think I was going to loot a bank to repay them in such a short time?

Anyways, the phase of my life that I went through at that time was definitely the worst phase; there could be no doubt about it. My credit reputation was down in the dumps and my credit score was rotting at 501 with TransUnion, thanks to the several negative collection accounts that the debt collection agencies had sent in to the credit unions.

My credit score grade was an F.

Here is my actual credit report from TransUnion after the debts killed my credit.

That was when my friend came to my assistance. She understood my situation perfectly because of her past encounter with debt collection agencies. She recommended that I contact The Lexington Law Firm to get my credit score repaired. On enquiry I was assured that this particular law firm had helped over half a million debtors to get their credit scores back in shape. And what’s more is that they had consistently proved themselves with 98 % removal rate.

The ugly debt LVNV collected was for $1,608.

Here is my actual LVNV Funding LLC Debt Letter.

I immediately got in touch with them without wasting any more time, and true to their reputation they did help me get my credit score back in shining shape at 729. They raised a dispute against the negative collection accounts posted by the LVNV Funding collection agency and made sure that all 3 credit unions were intimated. Soon my credit scores began to jump; 50 – 78 points at each time.

This is a deletions letter I received from TransUnion.

I was so happy when I received this deletions notification letter informing me that my LVNV Funding LLC debts were gone! A huge weight had been lifted off of my shoulders!

Here is my Experian letter that came in the mail a few days later!

This letter was from Experian, They had also removed my LVNV Funding Accounts!

I would highly recommend the Lexington Law Firm guys to any debtor who is going through the same issues as me. After all they are well versed at removing all sorts of negative credit reports like repossessions, liens, charge offs civil judgments etc. Just give them a call at 1-800-251-3505 and you can put all your credit score worries at ease.

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