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Allied Interstate Collection Letter for Old Debt Passed my States Limit to be Sued

Allied Interstate Collection Letter for Old Debt Passed my States Limit to be Sued

Trying to get one note loan which is past the SOL for Connecticut off my credit report so i can better my credit score, be able to move, obtain credit card, etc. Item has been sold off to other collection agency so the original amount of debt keeps getting doubled and item never comes off my report, it's renewed. Personal loan from Springleaf Financial Services showing as opened in 2007 for just over 3K. This debt was bought by LVNV funding in 2013. I disputed LVNV some time ago and nothing changed. Currently my credit report shows LVNV might come off report in June of this year-2015. LVNV shows debt to be $7k. Recently i received a letter from Allied Interstate stating they were retained by LVNV and that my debt is over $14K.

Do i respond to allied letter to dispute debt or do i sit back and pray that LVNV drops off my credit report and Allied Interstate doesn't replace it for an erroneous amount of $14K and for an orig debt which is past the SOL for state of CT

—Ivonne

I do not think Allied Interstate will be showing up on your credit reports. They sent you the collection notice on behalf of a debt buyer, LVNV Funding, and may not even have the account for very long.

With LVNV on your credit reports, and set to fall off in just a few months, I would probably just wait out the time for this to drop from your credit. If after it drops, any later debt collector or debt buyer reports it to the bureaus, you should dispute it immediately.

From the sounds of it you have already done that with LVNV, and before getting this recent collection letter from Allied Interstate? In fact, I can read your comment to mean that your last payment to Springleaf was more than 7 and one half years ago. That would mean the LVNV account should have dropped from your credit reports already. Is Springleaf on any of your credit reports right now? If not, do you know when they fell off, or when you last made a payment on the loan?

Sending a Dispute Letter to Allied Interstate

There are people who believe sending a dispute letter to debt collectors is something that should always be done. I am not one of them. But I can see some reason for the effort. Most of which is to establish a paper trail if you ever need to take action against a debt collector for violations of your consumer rights. If you do want to send a letter to Allied Interstate disputing the debt, I would include that you would like all communication to cease as well. Here’s why:

  1. You are passed your states statute of limitations to be sued. When sending cease communication letters to debt collectors you leave them no legitimate collection funnel but to seek payment through suing you in court. Once the SOL to legitimately sue you expires, your risks are small. Allied interstate will mark the file appropriately, and your debt will shuffle back to LVNV who will hopefully mark the file accordingly, and not bundle your account up for resale.
  2. Your a couple months from this dropping off your credit reports, and unless you have some extremely time sensitive goal, like a pending refinance or loan approval to buy a home, there is no real concern you would need to resolve this debt in order to achieve some immediate financial transaction.

Telling Allied Interstate to stop calling, sending letters, and to otherwise bug off (politely and in writing of course), is perhaps worth the cost of sending your now cease communication letter via certified mail return receipt requested.

SOL is up for my debt, but Allie Interstate is still trying to collect.

Because of the time lines involved, your old Springleaf debt with LVNV is practically “zombified” already. This means they cannot legitimately sue or show up on your credit bureau reports. Whether you send Allied a dispute letter or not, your debt will soon be the walking dead. The benefit to sending the letter is if they continue collection efforts after you know they got your request to cease all communication (why you send certified return receipt), you can take actions that will protect your rights, and are not in the least bit costly.

Allied Interstate collects on all types of debts for many different creditors and debt buyers. My experiences are that they are not hard to communicate with if you want to resolve a debt with them. Not that you are concerned with this, but later readers of this page could be.

Anyone with questions or concerns about dealing with Allied Interstate collection accounts, or LVNV and Springleaf for that matter, is welcome to post in the comments below for feedback.

Filed Under: consumer rights, debt collection, Debt Questions

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About Michael Bovee


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Michael started CRN in 2004 with a mission to provide people in need with detailed debt and credit help and education. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites.

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Comments

  1. Will says

    February 17, 2017 at 8:21 am

    Allied interstate called me about a student loan that’s 30 years old. It has been of my credit report for about 5 years. I got the loan in Philadelphia. This company got really bad reviews about their collection tactics. WiI’ll they put this on my credit report. LIke I said it’s been off my report for over 5 years.

    Reply
    • Michael Bovee says

      February 17, 2017 at 2:53 pm

      Once and account ages off your credit reports, Allied Interstate does not get to put it back up. Post an update if that happens and lets go from there.

      Reply
  2. adam saville says

    January 19, 2017 at 9:04 am

    I have received a letter from allied interstate llc in regards to an outstanding balance on my student loans. The total amount owed is $38K and am being offered a one time settlement offer of $3900 to completely settle all student loan balances. For me, this seems almost to good to be true. My question is whether or not I can trust Allied, and whether or not this company is legit. I have 30 days to pay this so some sort for quick response would be greatly appreciated. Thank you.

    Reply
    • Michael Bovee says

      January 19, 2017 at 1:10 pm

      When did you last pay on the private student loans that Allied Interstate is collecting on?
      What state are you in?
      Do the loans still appear on your credit reports?

      When I see low offers like that show in the mail it is often because you can no longer be sued in your state, and the credit reporting limits have been, or are close to being reached as well.

      You are welcome to call me, and we can go over the content of the letter. I am at 800-939-8357 ext 2.

      Reply
  3. Kat says

    January 11, 2017 at 11:21 am

    Hi so i just recently received a letter from this company for a recent credit card my husband and i defaulted on my only concern is i am afraid of being sued we own a home and don’t want to lose our home over $5000. Do you have any advice on what we should do or how we should handle this?

    Reply
    • Michael Bovee says

      January 15, 2017 at 5:04 pm

      Who is Allied Interstate collecting for?

      You can avoid any risk to your home, or other aggressive collections, by negotiating a lower lump sum settlement. How long would it take to pull together 2k?

      Reply
  4. Gwenn says

    January 5, 2017 at 3:41 pm

    Allied is coming after me regarding a debt over 10 years old that I do not recall. Talking about liens and contacting my employer. Scares the heck out of me and I don’t know what to do.

    Reply
    • Michael Bovee says

      January 15, 2017 at 10:35 am

      Please post more about the debt. When you past made a payment; who the original lender was; if the debt was sold, to whom; what state you live in.

      I can offer better feedback the more details I have.

      Reply
  5. Valerie says

    November 22, 2016 at 8:38 am

    I was contacted by Allied Interstate and Navient regarding a defaulted student loan. I set up a payment plan that I have been paying for 6 months consecutively. On my card statement, the withdrawals sometimes says Navient (iQor) and sometimes says Allied Interstate. Just a week ago I received a letter from Navient stating that my account is delinquent for non payment. I called them and they said there is no record of payment, but they can offer me forbearance until February and resume the monthly payments. Only thing is they want a higher amount than what I have been paying for the past 6 months. What should I do? Am I being scammed? I tried to call Sallie Mae to clear up where the debt was sent to, but they no longer have information for my account.

    Reply
    • Michael Bovee says

      November 26, 2016 at 6:08 pm

      Is this a private or federal loan?

      Reply
      • Valerie says

        November 27, 2016 at 3:55 pm

        I have both.

        Reply
        • Michael Bovee says

          November 29, 2016 at 8:34 am

          Which type of student loan is Allied dealing with you on?

          Reply
          • Valerie says

            November 29, 2016 at 4:34 pm

            Well that’s one of the problems. When setting up the payment plan I was told it was a federal loan. Now I am being told it’s a private loan, and they don’t know who handles the federal loan. I called the Department of Education to verify where the debt was sent and it was confirmed that it was sent the agencies before mentioned.

            Reply
  6. Manny says

    November 17, 2016 at 9:33 pm

    So I got a letter today from Allied Interstate LLC, A little background info about me: Graduated in 08′ w/ “Bachelors” in construction management. I defaulted years ago not having paid one cent. I am not sure I am reading this letter correctly? They (Allied Interstate LLC) are willing to settle over $70K of federal student loans for a little under $7K? I need a second set of eyes to look at this. Thanks!

    [link to personal letter removed]

    Reply
    • Michael Bovee says

      November 21, 2016 at 6:20 am

      Federal student loans cannot be settled like private ones. That letter refers to Navient, and they do both private and federal. Check on NSLDS to see if this loan is listed. All federal loans show up in NSLDS, while private ones do not show there. Let me know what you see.

      Allied does settle student loan debts. If this is a private loan it is a good deal if you can swing it, but there is also little they can do to force payment if this is not a federal loan.

      Reply
  7. Megan says

    October 25, 2016 at 6:47 pm

    Hello. Way back when I was 21, (2008), I stupidly consigned for my ex boyfriends sally Mae loan. He defaulted. He recently applied for a student debt relief, I believe, and the entire thing fell off my credit report. Totally gone. Today I get a letter from alliedinterstate claiming that I owe Navient $24,00. They will settle for $2,500….. I don’t know what I should do. Do I dispute because it’s not on my report anymore?

    Reply
    • Michael Bovee says

      October 26, 2016 at 1:25 pm

      Is credit reporting the only consideration you would have for agreeing to settle the old debt?

      Reply
      • Megan says

        October 26, 2016 at 2:57 pm

        No. I thought the debt was settled because of whatever he did…. I would like to not be responsible for the debt since he isn’t being held accountable for it either, but since I did cosign 8 years ago, I know that it was on me as well. But I would like for it to not come on my credit report, or get sued for the debt.

        Reply
        • Michael Bovee says

          October 26, 2016 at 3:08 pm

          If it has aged off your credit report organically already, it cannot reappear legitimately. If it pops back on your credit reporting you will be able to dispute it off.

          What state are you in? That will help me determine if a legitimate collection lawsuit can be filed.

          Reply
          • Megan says

            October 26, 2016 at 3:25 pm

            I am in California.

            Reply
            • Megan says

              October 26, 2016 at 3:28 pm

              And it came off my credit report, I think in February this year, but it was still included in my total debt owed, but after whatever he did in February it isn’t on my report at all, as an open or closed or defaulted. The debt came off my total debt owed. I thought he had saved us both, but now I’m scared because I just received this letter.

              Reply
              • Michael Bovee says

                October 26, 2016 at 5:19 pm

                The SOL to sue in California is 4 years, so they cannot sue.

                Reply
  8. Emily says

    October 17, 2016 at 4:43 pm

    hello! my non government private student loans from sallie mae was given to navient for years it dropped off my report a few months ago. The account is over 7-8 years old and in my state of NJ over the statue of limitation. it is no longer on my credit report (thank goodness). But now, out of nowhere i receive these calls and a letter from Allied LLC. Saying its for a debt. I just say im not here and no not call. can they even garnish my paycheck or go on my credit report?

    Reply
    • Michael Bovee says

      October 18, 2016 at 10:09 am

      Once the SOL passes you cannot be legitimately sued, and they would need to sue and get a judgment before they could garnish you for a private student loan.

      Even after your state SOL passes, and an unpaid debt Allied Interstate is collecting no longer shows on your credit reports, the debt can still be collected. It does not disappear. But you can often choose to ignore the debt without any implications.

      Reply
  9. Lushy says

    August 26, 2016 at 7:18 am

    I have three Navient loans that are with Allied Interstate now. I am in default on the loans which they tell me total $40k. They are offering to settle them for $8k and possibly set up monthly payments to pay this amount over 24 months. I haven’t seen anything in the comments above about being offered monthly payments. Do you think this is a good option? Do you think if I offer a $5k lump sum to settle the debt if they will take it? Also if I settle, do I owe tax on the uncollected debt? I’m very leery of sending a bunch of money to a company and then still owe Navient. They are sending me a letter to put the offer in writing. Your thoughts?

    Reply
    • Michael Bovee says

      August 28, 2016 at 8:53 am

      Let me know when you get the letter and if everything is spelled out clearly.

      I would prefer you to pay a lump sum settlement in this situation than monthly payments. You already have them at 20% of the 40k. I do not see them going lower than this much at all.

      You could owe tax on cancelled debt, but not everyone does in this situation. I spell that out more clearly here: https://consumerrecoverynetwork.com/debt-forgiveness-taxes-settled-credit-card/

      Reply
  10. Mandy Clancy says

    August 23, 2016 at 8:55 am

    My $75,000 in student loans are now with Allied Interstate. I graduated 13 years ago. On July 1 they garnished my wages. I called immediately and was told I had to pay 5x the monthly payment to get the garnishment to cease. I negotiated a lower monthly amount (I couldn’t afford the $660 a month they were requesting) of $150 (and set up a payment plan for the 1st of each month) and borrowed $750 (5 x the monthly amount) from my father to get the garnishment to stop. I was told they would send the letter to my employer within 48 hours so that it would be stopped before i got paid again. I get paid once per month. My next paycheck came on August 1 and the check reflected the $660 garnishment! I was furious. I immediately called my payroll person and they didn’t have the letter. I called Allied Interstate and they flubbed around a bit and eventually said that they had sent the letter. I was obviously upset. They said they would postpone my $150 payment until the 14th and they would send a letter to my employer to cease the garnishment and they would send them a check for the $660 so they could reimburse me. That could take 30-60 days. Great. I called my payroll a week or so later and they had finally received the letter and they told me that the $660 would be on my next check (Sept 1). In the meantime, I have been waiting for the $150 payment to come out of my bank account. I called on the 18th to find out why it hadn’t come out (i dont want to be in default again). He told me that they must have deleted the payment plan. what?! I set it up again. I asked for the $150 to come out immediately and then $150 on the 1st of each month after that. It is now the 23rd and the $150 still hasn’t come out. I will call again but it doesnt seem to do any good. They refuse to give me anything in writing about what we agreed on…and they won’t email anything. Only phone calls. I am not sure how to proceed next. The double garnishment caused a huge financial crisis as we live paycheck to paycheck. My husband stays home with our baby while i work full time.

    Reply
    • Michael Bovee says

      August 23, 2016 at 11:12 am

      I would file a student loan collection complaint with the CFPB. That will put your issue in front of more skilled people at Allied Interstate.

      Who was the lender on your loans originally?
      What is the name of the plaintiff that sued you?

      Reply
  11. Yvonne says

    August 5, 2016 at 4:24 pm

    I received a letter from Allied Interstate dated July 30th 2016 for my Lowe’s consumer credit card account. Amount owed is $1,001. I don’t have $1,000 to pay them however I would like to offer a debt settlement. Do offer .25 cents on the dollar or should it be percentage of the balance?

    I am really on a tight budget. Any and all suggestions would be greatly appreciative.

    Yvonne

    Reply
    • Michael Bovee says

      August 6, 2016 at 2:46 pm

      When was it you last paid the minimum amount due on the Lowe’s card? How late you are will often change my feedback.

      Reply
  12. Janet says

    April 5, 2016 at 7:12 pm

    How much and what information can my creditors find out about me… Work and income history, bank accounts, etc..?

    Reply
    • Michael Bovee says

      April 6, 2016 at 11:28 am

      I just recorded a video about this for our Debtbytes channel. It should be up within a few days. I interviewed a former debt collector in the video, and we covered a bunch of detail. Be sure to subscribe to the channel so you get updates.

      Reply
  13. Janet says

    March 21, 2016 at 5:07 pm

    Thank you very much. I’m just wondering if I should call Chase directly to try to settle… Maybe they would be more willing to negotiate a lower settlement if they don’t have to pay Allied a fee… ?

    Reply
    • Michael Bovee says

      March 21, 2016 at 5:22 pm

      I wouldn’t. Based on today’s trends you will likely settle your Chase account for a lower amount dealing with a collection agency like Allied Interstate, or perhaps the next agency that gets your account after this.

      Reply
      • Janet says

        March 22, 2016 at 12:25 pm

        I just realized that Allied is contacting me regarding only one of the credit cards (6k balance)… I was assuming Chase turned over all three card balances, as I have stopped paying on all of them at the same time. Should I attempt to settle the whole debt with Allied?
        Thank you very much for your help.

        Reply
        • Michael Bovee says

          March 22, 2016 at 4:02 pm

          You will only be able to settle the accounts Chase sent to Allied.

          Call Chase and ask them who the other accounts are with if you are ready to negotiate those too. It is normal to have multiple accounts end up at different places.

          Reply
  14. Janet says

    March 19, 2016 at 1:26 pm

    I have a total of $20,000 debt with three Chase Visas. After five months of no payment, I received a letter from Allied Interstate LLC saying they are “a debt collection company and have been retained by their client, Chase Bank USA, N.A. to collect a debt.” “Unless I notify them within 30 days that I dispute the validity of the debt, they will assume it is valid”.
    So, my questions are:
    Is this a legal firm representing them or has the debt been sold to them?
    What exactly is “validity of the debt”?
    Should I respond to this letter and how, so that I can best negotiate with them?
    If so, would a ‘letter of hardship’ (explaining unusual circumstances) help or hinder me?
    and lastly…
    With the information I’ve given, what can I expect to settle at on a good day?

    Reply
    • Michael Bovee says

      March 20, 2016 at 4:05 pm

      Allied Interstate is a contingency debt collector, and not a law firm that sues to collect. They did not purchase the debt from Chase. Chase still owns the debt. Watch this video about settling Chase credit card debts.

      The reference in the collection letter from Allied Interstate about requesting validation is found in virtually all initial collection notices. It is often referred as a mini Miranda. You have the right to request a debt be validated by a debt collector. I am not a fan of sending those requests when all you want to do is resolve a debt. Check out this article when or when not to request debt validation.

      I would respond if I am ready to negotiate a settlement of between 25 and 40 percent. I would call Allied Interstate and negotiate the amount I can afford to pay, and then get that from them in writing before I pay. Rather than send any letter of hardship I would focus on those details in my phone call(s) with them.

      Read up more on calling a collection agency to settle: https://consumerrecoverynetwork.com/question/settling-charged-off-credit-card-debts-with-collection-company/

      You can view more about settling with a collection agency like Allied too: https://www.youtube.com/watch?v=NpuAUvjtzKo

      Reply
  15. John Lamas & John Favela says

    March 17, 2016 at 2:14 pm

    I have a question regarding GE Money Bank that was a financial institution for Brandsmart and they transferred a debt to LVNV long ago and now Allied Interstate is sending a letter to settle for a minimal amount or they will take action. This account has not been on my credit report for years and these debt collectors keep calling or writing. I neither call them back or write them back. As far as I know they cannot continue to send you these threatening letters or calls. Do I have to do anything at this time or just let it go. This is over 10 years old now. Please reply via email as I don’t usually answer calls I don’t recognize. Thanks

    Reply
    • Michael Bovee says

      March 17, 2016 at 2:51 pm

      Debt collectors like Allied Interstate can indeed continue to make collection calls and send notices in the mail. There are limits to how long they have to sue you, or show on your credit reports, but passing those time lines does not make the debt go away. You can make the calls and letters stop by sending a cease communication letter.

      If you send a cease communication letter to Allied Interstate, send it certified mail and keep a copy for your records. LVNV may place the account with another collection agency causing you to have to repeat the effort. I am seeing less of this kind of thing the last few years though.

      If it were me I would send the cease communication letter.

      Reply
  16. James J. White says

    January 22, 2016 at 3:29 pm

    Hi Mike, Here is my situation. My wife finished her schooling in 2009. Shortly after graduation she was stricken with severe rheumatoid arthritis as well as shingles. She refused to file for Social Security Disability due to her sense of pride. She keeps hoping someday that remission might kick in. But I doubt that will ever happen. Since I am a cosigner on her loan Navient Allied Interstate has been calling me and sent me a letter dated Jan.8, 2016 listing the principle amount of the loan and a settlement amount approximately 1/4 of that amount. I myself am Disabled veteran rated 100%. They have given me until February 8th to respond. My wife has discarded their letter. I fear that they could put a lien on my house and destroy my credit rating. Should I get an attorney to deal with them or what? Should I ask them to send me a copy of original letter and copies of the debt from the original creditor. Thank you for your time.

    Reply
    • Michael Bovee says

      January 23, 2016 at 1:20 pm

      They would have to sue in order to put a lien on your home. Allied Interstate is not going to sue on behalf of Navient as they are just a contingency debt collection agency.

      You do not need an attorney to deal with them.

      You are asking about getting a copy of the letter so that you can take Allied Interstate up on the settlement offer? If so, getting the letter resent shoudl not be difficult. But asking for “copies of the debt” will often muddy up the process, and is not consistent with resolving the debt. If you are worried about whether or not Allied Interstate is validly collecting for Navient you can get that answered with one phone call to Navient.

      If the settlement is something you want to take advantage of give me a call and I can offer some tips to see if you shave a bit more off. You can reach at 800-939-8357, option 2 rings to me.

      Reply
  17. Wesley Pitman says

    June 24, 2015 at 8:48 am

    I recently paid off all the collections on my report to qualify for a mortgage. Now I received two more accounts in the mail. Original Creditor: First Premier Bank, Current Creditor LVNV. But the letter came from Allied Interstate LLC. This shows to be a charge-off on my reports. The other Is from Northland Group Inc., Original Creditor: Capital One Bank, Current Creditor LVNV. this one is not on my reports and The Capital One Card is from 2000. Why did these show up suddenly?

    Reply
    • Michael Bovee says

      June 24, 2015 at 9:02 am

      LVNV is a debt buyer that uses third party collection agencies like Allied Interstate to collect for them. If the account with Allied is one you recognize and know to be yours, and if this account can legitimately stay on your credit report (has not been more than 7 and one half years since you last paid First Premier), you may also have to settle with Allied in order to progress with a home loan.

      The account LVNV has for Capital One is not on your credit, and sounds like it cannot be placed back on there, so I would not worry about it.

      Debts come out of the weeds sometimes, and show back up on your credit even, when there is credit reporting activity such as the recent settlements you have been making.

      Reply
      • Wesley Pitman says

        June 24, 2015 at 9:06 am

        Thank you very much!

        Reply
  18. Lori says

    April 22, 2015 at 3:26 pm

    I received a collection letter from First National Collection Bureau, Inc for collection of a Cap1 cc account.
    I have no collection accounts on my credit report and haven’t for quite a few years. I live in Texas which requires collection agencies to carry a surety bond. First National has no surety bond. I sent them a letter stating to cease the collection process, as they were illegally trying to collect a debt in Texas. I then received another collection letter from Resurgent Capital Services, LP. stating they received my letter and included an “Account Summary”, I guess for verification of the debt. The account summary shows LVNV as the account owner and the last payment made on 2/14/2005. This is over 10 yrs old and I believe to be past the SOL. I sent another letter to Resurgent Capital disputing the collection action, due to it being past the SOL. I received the same form letter and account summary stating that if they don’t receive additional clarification they will return the account to active collection.
    What do I need to do now? I don’t want them putting a collection on my credit report.

    Reply
    • Michael Bovee says

      April 22, 2015 at 3:53 pm

      You should not end up with another collection on your credit reports for this old a debt. If that does happen, post an update and lets go from there.

      Reply
      • Lori says

        April 22, 2015 at 5:24 pm

        Do I need to send another letter in response to the last letter I received? Can they legally reactivate the collection as they stated? I also requested a certified copy of the judgement if one exists in my last letter, but haven’t received it. From what I’ve read on the internet, a judgement can be collected on for up to 20 years.

        Reply
        • Michael Bovee says

          April 22, 2015 at 6:14 pm

          I may have misunderstood the situation. Is there a judgment involved with this account? Did you request a copy of any judgment as a catch all?

          Reply
          • Lori says

            April 23, 2015 at 5:35 am

            Not that I’m aware of. I did request it as additional verification.

            Reply
            • Michael Bovee says

              April 23, 2015 at 10:35 am

              I would probably send them a cease communication letter on a debt this old if it were me. The reasoning being:

              The debt is too old to legitimately sue you in your state.
              The debt is too old to reappear on your credit reports.
              There is no interest in resolving the debt.

              If you fit that description, you could send a cease communication letter to the debt collector and likely never hear from them again. If you do, post an update about it.

              Send any letter to debt collectors using certified mail return receipt.

              Reply
  19. Ivonne says

    April 6, 2015 at 3:36 pm

    With respect to Springleaf being on my credit report in your question:

    Oddly enough, under my satisfactory accounts section of my credit report there are 2 Springleaf accounts referring to the same account (note loan)

    acct 1 of 2 shows date opened 9/25/06, date updated & closed as 4/30/07. Remarks: ACCT closed due to refinance, Balance = $0

    acct 2 of 2 shows dated opened 4/4/07, date updated & closed as 8/31/07. Remarks: ACCT closed due to refinance, Balance=0

    Now under “Adverse Accounts”, the following 2 items:

    Springleaf Formerly AGF, date opened 8/7/07, date closed 11/1/08, Remarks: PURCHASED BY ANOTHER LENDER, UNPAID BALANCE CHARGED OFF. ESTIMATED MONTH & YEAR THIS ITEM WILL BE REMOVED 3/2015.

    LVNV, placed for collection 6/7/13, date updated 2/23/15. Remarks: ACCT INFO DISPUTED BY CONSUMER. ESTIMATED MONTH & YEAR THIS ITEM WILL BE REMOVED 6/2015.

    Reply
    • Michael Bovee says

      April 6, 2015 at 3:50 pm

      LVNV’s collection account should have been scheduled to drop at the same time as the negative item from Springleaf.

      With your being so close to the time for LVNV to drop off, it is up to you if you want to take this any further. If you do, let me know and I can post an extra step or two you can take.

      Do you have an inclination to send a cease communication or dispute letter to Allied Interstate LLC after reading my above feedback, or are you okay with leaving that part be?

      Reply
      • Ivonne says

        April 6, 2015 at 6:41 pm

        I don’t wish to take the LVNV further at this time assuming that it drops off my report by end of June. But the Springleaf should of already dropped off in March of this year, so i hope it follows suit. Im ok with leaving Allied Interstate be for the time being and see how LVNV and the Springleaf remnants play out. However, if neither and /or one does not fall off I will be watching and contacting you.

        Reply
        • Michael Bovee says

          April 6, 2015 at 7:29 pm

          Sounds good. It would be good to hear from you about everything being deleted too.

          Reply
          • Ivonne says

            June 24, 2015 at 11:30 am

            Hello, Michael. I decided to go via the route of not calling nor writing to LVNV past the one occurrence of disputing so as not to wake the sleeping giant or harpies who don’t know who to tell time apparently. Springleaf still shows up under satisfactory accounts but LVNV finally dropped. Secondly, Allied did not show up on any of the credit bureaus reports. One of my reports stated that LVNV was dropped in April of this year but it didn’t occur till June of this year. Springleaf accounts just stay under “statisfactory category”, closed due to refinancing, with a status of OK. So I’m letting that be for now. I’m awaiting word from dispute over GM financial stating I was 90 days late as my car was being paid off by giving them the date and ck number of my last payment and the fact that they stating i’m late by the same amount of days it took them to wake up and send me my car title. And I didn’t get my title until I called them twice and they were emphatic that i had either one more payment and/or late charge equal to that of almost another car payment which is rubbish! I also disputed a public record (not that it won’t be taken off for 7 years) which was not showing as satisfied when it was back in May of 2011. After getting statements, cleared check copies and a letter from the court for a satisfaction of judgement, i faxed it over twice to Transunion to get that resolved.

            Reply
            • Michael Bovee says

              June 24, 2015 at 11:37 am

              Thank you for posting that update Ivonne. Please do post any additional ones. It really helps people that are subscribed to this post, and many later readers, to know how someone chose to progress with resolving issues, and how things worked out.

              Reply

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