How to Remove LVNV Funding LLC from Your Credit Report?

LVNV Funding LLC on credit report
Published by: Ricky Ingram
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Have you recently received a letter from LVNV Funding LLC? LVNV Funding is a debt collection agency that purchases debt from creditors all over the country and then attempts to collect it. This may be due to a past debt that you have associated with one of your credit lines. The situation can be confusing and stressful, and it is better to settle as much as you can as soon as you can.

When you have payments that are not met on a credit line, the creditor has the right to sell off the account to another company. Companies like LVNV Funding become the new holders of the debt. If you have recently discovered an LVNV Funding collection on your report, or have been contacted by one of their collectors, keep reading. This article will provide some helpful information on how to remove LVNV Funding from your credit report. Stop questioning what LVNV Funding is on my credit report – you should better know what to do.

What is LVNV Funding LLC?

If you are wondering why you have LVNV Funding on credit reports, here is why. You have probably opened an account with a credit card, loan, or service. If you missed any payments and are unable to keep up with the required minimums, the owner of the account (such as the credit card company) will likely charge the account without it being repaid.

This means that the creditor has determined that you are not likely to bring your account back to good standing, so they have prevented you from making additional purchases on it. The creditor may choose to sell your account to another party collections account such as LVNV Funding LLC. You still owe your debt, but now to a different company. LVNV Funding LLC collection agency may contact you directly, or they may ask one of their agency partners to help them reach out to you.

Is LVNV Funding a Legitimate Company?

LVNV Funding is in fact a legitimate company. It was originally founded in 1998 in South Carolina, currently headquartered in Greenville, SC, they are one of the largest debt buyers (collection agencies) in the US. With over 200 employees, they generated over $50 million in revenue.

It is one of many collection companies that purchase credit lines that have fallen into debt. Many original creditors do not like having indebted accounts for too long because it becomes a liability for them. To combat this issue, they sell all of these accounts to a separate party so that it can be out of their hands forever.

Collection agencies such as LVNV Funding LLC happily take these accounts because it is their primary source of business. Just because the original creditor has written the debt off, it doesn’t mean you don’t have to pay it anymore.

If your creditor sold the debt, you’ll then owe the outstanding debt to the company or debt collection agency that bought it. In this case, it is LVNV Funding. When LVNV Funding buys your debt, the account could start showing up on your credit reports as an account in collections, in addition to the charged-off account with your original lender.

How Do I Stop LVNV Funding Calls?

If you have ever received a phone call from LVNV Funding LLC, then you know how frequently these calls come in. It is frankly too hard to keep up with and unnecessary. Aggressive collection agencies like LVNV Funding consistently step over the line. They can sometimes call up to 15 times in one day. When you stop the phone calls, you get some breathing room. Remember that you still owe the debt, and the collector can take legal action. The point of the calls is to remind you about the situation, so of course, do not forget! Here is how you can attempt to stop these calls. Follow these steps for your best chances.

  1. Write a “stop contact” or “cease” letter telling them to stop contacting you.
  2. Make a copy for yourself and mail the original to LVNV Funding.
  3. To prove you sent the letter, send it by certified mail with “return receipt requested.”

How Do I Remove LVNV Funding From my Credit Report?

If you want to learn how to get LVNV Funding off your credit report, you have come to the right place. If there is an LVNV Funding collection account on your credit report that should not be there, you have the right to dispute that error with the credit reporting agency. Collections accounts on your report can cause permanent damage, so it is important to get them off as soon as possible. Here is a list of steps that you can follow in order to potentially remove these credit score decreasers.

Seek help from a credit repair company

The easiest way to remove LVNV Funding from your credit report is to hire one of the professional credit help companies. They specialize in removing unwanted information and negative remarks from your report, and this task falls under the same category. The best companies are staffed with legal help to assist in any disputes. You can also access educational resources so that you are informed on how to proceed if it happens ever again. Companies like Credit Repair or Lexington Law are great options.

Validate the debt

If a debt collector ever contacts you about your debt, you technically have 30 days to request debt validation according to the FDCPA. You can submit an LVNV Funding debt validation letter through the mail to the debt collector. If they are not able to prove that the debt is indeed yours, the negative item is forced to be removed. However, there is a chance that they can prove the debt is yours and you may have to go back to receiving professional help after paying off your debt.

Negotiate an LVNV Funding LLC pay for delete

If the 30-day window has passed after you have been contacted by a debt collector, you can negotiate a pay-for-delete. This basically means that you will agree to pay LVNV Funding if they agree to have LVNV Funding removed from your credit report. Before you make this agreement, it is crucial to have all the information in writing and signed by both parties. This gives you leverage to escalate the situation if needed.

Ask for a goodwill deletion

This method works best if you have already paid off the debt. Sometimes the debt collector will do you a favor and remove the debt collection from your report. It is entirely up to the company to decide if they are willing to honor the goodwill deletion or not. To request this, you will have to write a goodwill letter. This is not common, but some people still find success.

LVNV Funding Contact information

LVNV Funding collection agency outsources the management of its portfolio of accounts to a company called Resurgent Capital Services. They are a licensed third-party debt collector that specializes in the management of these types of consumer assets. LVNV Funding collections requests to direct all inquiries to Resurgent.

Resurgent Capital Services can assist you with any questions regarding your LVNV Funding LLC collections account, and they will work with you to resolve your outstanding balance.

  • Their phone number: 1 (800) 665-0374
  • Email:
  • Hours of operation: from 8:00 a.m. to 7:00 p.m. on the weekdays, and 9:00 a.m. through 5:00 p.m. on the weekends.

If you need to contact them through the mail, their address is PO Box 10497 Greenville, SC 29603. They also have a contact form for LVNV Funding complaints that you are able to fill out through their website.


Understanding and removing LVNV Funding from your report is a tricky situation. If you ask yourself the question if you should pay LVNV Funding LLC, the answer depends. It is up to you to weigh out your options in your specific position and figure out if paying the debt will help you. Sometimes paying it will do nothing, and other times it might assist with you getting the remark removed.

Do whatever is best for you. Regularly monitoring your credit may help you catch any other inaccuracies or signs of possible fraud. Hopefully, you will be able to get these remarks removed from your report and your credit score will finally start going up again!

Ricky Ingram

Founder of Credit Repair Partner. I worked in the credit repair industry for about 10 years. I love, helping people become smarter about their credit and finances.

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