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Question By
coffeeboy11

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I need help in what to do with only one creditor
I have settled with all of my accounts. I have one that I can't figure out it is with LVNV Funding. I don't know what this account is. They say it is a particular credit card that shows no where in my credit history. It will be 5 years in August that they are re dating this account. I absolutely do not know what to do. After August is it over for statute of limitations in Iowa? I think it may be a credit card my wife took out, but cannot prove it. This company (LVNV Funding) has re-aged this account every few months. I am afraid. what do I do?

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File a dispute with the credit bureau reporting this.  If LVNV sends you a letter trying to collect, send them a letter asking for "Validation of the debt" (which they will not be able to provide BTW).  They are scumbag junk debt buyers.

Reply by
coffeeboy11

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Oh yes, why do you think they would not be able to validate?

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Thanks another question

If this was actually a card my ex wife opened in my name, I am not sure. Would it be best to let the statute of limitation run out and then do what you suggest? Can they re-age the account all the time like they do? The balance has sky rocketed! I watch it on equifax all the time. This one really scares me. I believe in September the statute will be up 5 years + 1 month. They are my only blemish right now. 

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