Ok, I just got two score alerts- one today and one yesterday. Yesterday it went up 8 points, today 3 points.I couldn’t resist and used my last power score report to see if I should continue sending GW letters to LVNV (just figured out also known as Resurgent), or if it had actually worked. When I pulled my report last month, I had:
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Cap One, multiple lates, charged off, sent to LVNV funding considered two accounts—OC and CA
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HSBC Nautilus, multiple lates, closed, sent to collection agency LVNV Funding, settled. Considered two account—-OC and CA
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On my report now, Capital One is gone, HSBC Nautilus is gone. Both are GONE! I did not dispute them at all…in fact, I was getting ready, if the GW worked with LVNV for the Nautilus, to then send the letter to LVNV regarding the fact they never sent me anything concerning the Cap One issue. Why are the two OC gone? I looked over my report over and over again. I compared all the Summaries, Overall Statuses, Accounts, Accounts in detail, Collections, Public Records, etc. from page one to the end. Am I missing something? I know there is one collection account totally unrelated that is off my report because it is in dispute, but nothing else is. All is reporting fine, and my collection numbers are down. If they stay off, I can totally live with that. They were bad accounts from the beginning, but isn’t that wrong to have the tradeline gone but the CA reporting?Â
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In the meantime, LVNV is still reporting the CA accounts for Cap One and for Nautilus, with the appropriate marks, notes, etc.Â
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Is this going to change and my score will plummet again? 11 points increase for decreasing my credit utilization and somehow the two bad OC disappearing…I feel something is wrong. Any advice? Just sit it out and wait for them to come back? lol Please advise me!