{"id":75,"date":"2026-10-29T14:00:00","date_gmt":"2026-10-29T14:00:00","guid":{"rendered":"https:\/\/aicreditcare.com\/blog\/?p=75"},"modified":"2026-10-21T12:46:20","modified_gmt":"2026-10-21T12:46:20","slug":"lvnv-funding","status":"publish","type":"post","link":"https:\/\/aicreditcare.com\/blog\/lvnv-funding\/","title":{"rendered":"LVNV Funding on Your Credit Report: What It Is and How to Dispute It (2026)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Last updated: 29 October 2026. Written by Ankur Pandey, AI Credit Care. Company details checked on lvnvfunding.com and resurgent.com, and laws on ecfr.gov and law.cornell.edu, on 21 October 2026. AI Credit Care is not affiliated with LVNV Funding, Resurgent Capital Services or Sherman Financial Group.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick answer:<\/strong> LVNV Funding LLC is a real debt buyer. If it shows up on your credit report, it most likely bought a charged-off account, such as a credit card, from the original lender, and Resurgent Capital Services manages that account for it. You can ask for validation, dispute anything inaccurate for free, and check the dates. Accurate, current information cannot be removed by anyone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide sticks to what LVNV&#8217;s website, its servicer&#8217;s website, a court opinion and federal law say, then walks through the steps you can take yourself, at no cost.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><div>In this guide<\/div><nav><ul><li class=\"\"><a href=\"#what-is-lvnv-funding\">What is LVNV Funding?<\/a><\/li><li class=\"\"><a href=\"#why-lvnv-funding-is-on-your-credit-report\">Why is LVNV Funding on my credit report?<\/a><\/li><li class=\"\"><a href=\"#is-lvnv-funding-legit\">Is LVNV Funding legit or a scam?<\/a><\/li><li class=\"\"><a href=\"#how-to-dispute-lvnv-funding\">How to dispute an LVNV Funding account<\/a><\/li><li class=\"\"><a href=\"#should-you-pay-lvnv-funding\">Should you pay or settle with LVNV Funding?<\/a><\/li><li class=\"\"><a href=\"#stop-collection-calls\">How to stop or limit calls about an LVNV account<\/a><\/li><li class=\"\"><a href=\"#if-lvnv-funding-sues-you\">What if LVNV Funding sues you?<\/a><\/li><li class=\"\"><a href=\"#do-you-need-a-credit-repair-company\">Do you need a credit repair company for this?<\/a><\/li><li class=\"\"><a href=\"#faq\">Frequently asked questions<\/a><\/li><li class=\"\"><a href=\"#sources\">Sources<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/aicreditcare.com\/blog\/wp-content\/uploads\/2026\/10\/lvnv-funding-credit-report.webp\" alt=\"Person at a table reviewing accounts on a laptop\" class=\"wp-image-72\" srcset=\"https:\/\/aicreditcare.com\/blog\/wp-content\/uploads\/2026\/10\/lvnv-funding-credit-report.webp 1200w, https:\/\/aicreditcare.com\/blog\/wp-content\/uploads\/2026\/10\/lvnv-funding-credit-report-300x169.webp 300w, https:\/\/aicreditcare.com\/blog\/wp-content\/uploads\/2026\/10\/lvnv-funding-credit-report-1024x576.webp 1024w, https:\/\/aicreditcare.com\/blog\/wp-content\/uploads\/2026\/10\/lvnv-funding-credit-report-768x432.webp 768w, https:\/\/aicreditcare.com\/blog\/wp-content\/uploads\/2026\/10\/lvnv-funding-credit-report-640x360.webp 640w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption class=\"wp-element-caption\">Compare the validation notice with your own records before you pay or dispute anything.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-lvnv-funding\">What is LVNV Funding?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">LVNV Funding LLC buys consumer accounts that the original creditor has charged off. <a href=\"https:\/\/www.lvnvfunding.com\/\" target=\"_blank\" rel=\"noopener\">LVNV&#8217;s website<\/a> says that once such an account is sold, LVNV is the new owner, and that it outsources the management of its accounts to Resurgent Capital Services. Resurgent may contact you itself or through one of its collection agency partners. LVNV&#8217;s <a href=\"https:\/\/www.lvnvfunding.com\/lvnv\/privacy\" target=\"_blank\" rel=\"noopener\">privacy policy<\/a> calls Resurgent its master servicer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neither company&#8217;s website explains who owns LVNV. A <a href=\"https:\/\/www.mdcourts.gov\/data\/opinions\/coa\/2019\/46a18.pdf\" target=\"_blank\" rel=\"noopener\">2019 opinion of the Court of Appeals of Maryland<\/a> (LVNV Funding LLC v. Finch) describes LVNV as a wholly owned subsidiary of Sherman Originator LLC, which is wholly owned by Sherman Financial Group, with Resurgent as master servicer for LVNV&#8217;s charged-off consumer debt. That is the court&#8217;s description as of 2019, based on an earlier record, and the structure may have changed since.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-lvnv-funding-is-on-your-credit-report\">Why is LVNV Funding on my credit report?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When an account goes unpaid long enough, the lender may charge it off and sell it, and LVNV is one of the companies that buys those accounts. <a href=\"https:\/\/www.resurgent.com\/scams-and-frauds\" target=\"_blank\" rel=\"noopener\">Resurgent&#8217;s scams and frauds page<\/a> explains why the name can look unfamiliar: store cards are often issued by a bank rather than the store, and accounts may be sold to an interim party or to a debt buyer such as LVNV.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So the entry usually relates to an older account of yours under a different name. It can also be wrong: the wrong person, a wrong balance, a debt already paid or settled, or the same debt listed twice. Those are what disputes are for.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"is-lvnv-funding-legit\">Is LVNV Funding legit or a scam?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">LVNV Funding is a real company. Its website lists a Maryland license (NMLS ID 322503) and a California license number. That does not make every entry under its name accurate, or every caller using its name genuine. <a href=\"https:\/\/www.resurgent.com\/scams-and-frauds\" target=\"_blank\" rel=\"noopener\">Resurgent itself warns<\/a> about scam callers making threatening calls about collection accounts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-tell-if-a-debt-collector-is-legitimate-or-a-scam-en-1699\/\" target=\"_blank\" rel=\"noopener\">CFPB lists warning signs<\/a> of a fake collector, including threats of arrest or criminal charges, refusing to give a mailing address or phone number, refusing to give details about the debt, and asking for your personal financial information.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"lvnv-funding-phone-number\">LVNV Funding phone number and address<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">LVNV&#8217;s website does not list its own phone number or mailing address. It sends you to Resurgent. As checked on 21 October 2026:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Resurgent customer care: 1-888-665-0374 (listed on <a href=\"https:\/\/www.resurgent.com\/\" target=\"_blank\" rel=\"noopener\">resurgent.com<\/a> and in LVNV&#8217;s privacy policy)<\/li>\n\n\n\n<li>Resurgent mailing address: P.O. Box 10497, Greenville, SC 29603 (listed on resurgent.com)<\/li>\n\n\n\n<li>Online: the Find Your Account link on lvnvfunding.com<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For a dispute, use the address on your validation notice, which must state where the collector accepts disputes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-to-check-a-caller\">How to check that a caller is real<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ask for the caller&#8217;s name, company, mailing address and phone number.<\/li>\n\n\n\n<li>Hang up and call back on 1-888-665-0374, the number on Resurgent&#8217;s website, not a number the caller gives you.<\/li>\n\n\n\n<li>Do not share bank, card or personal details until you have the written validation information, as the <a href=\"https:\/\/consumer.ftc.gov\/articles\/debt-collection-faqs\" target=\"_blank\" rel=\"noopener\">FTC advises<\/a>.<\/li>\n\n\n\n<li>A real collector cannot threaten to have you arrested.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-dispute-lvnv-funding\">How to dispute an LVNV Funding account<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Only dispute what you believe is inaccurate, incomplete or unverifiable. If the debt is yours and the details are right, it can be reported, and no letter changes that. Our <a href=\"https:\/\/aicreditcare.com\/blog\/how-to-dispute-collections-credit-report\/\">guide to disputing collections<\/a> has more on letter wording, and the same steps apply to other collectors such as <a href=\"https:\/\/aicreditcare.com\/blog\/credence-resource-management\/\">Credence Resource Management<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-1-read-the-validation-notice\">Step 1: Read the validation notice<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Under <a href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-X\/part-1006\/subpart-B\/section-1006.34\" target=\"_blank\" rel=\"noopener\">Regulation F, 12 CFR 1006.34<\/a>, a debt collector must give you validation information in its first communication or within five days after it. The notice must include, among other things:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The collector&#8217;s name and the mailing address where it accepts disputes<\/li>\n\n\n\n<li>The creditor you owed on the itemization date and the account number (it may be shortened)<\/li>\n\n\n\n<li>The current creditor, normally LVNV Funding for these accounts<\/li>\n\n\n\n<li>The itemization date, the amount owed then, and the interest, fees, payments and credits since<\/li>\n\n\n\n<li>The current amount of the debt<\/li>\n\n\n\n<li>The date your validation period ends, plus a form to dispute or to ask for the original creditor&#8217;s name and address<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The validation period ends 30 days after you receive the notice, and the collector may assume you got it at least five days after sending it, not counting weekends and federal holidays. Check every line against your own records.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-2-dispute-with-the-collector\">Step 2: Dispute in writing with the collector<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you dispute in writing within the validation period, the <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1692g\" target=\"_blank\" rel=\"noopener\">FDCPA, 15 U.S.C. 1692g(b)<\/a>, requires the collector to stop collecting the debt, or the disputed part, until it sends you verification or a copy of a judgment. Say exactly what is wrong, send it by certified mail with a return receipt, and keep copies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Missing the 30 days is not an admission: the same law says a court may not treat a failure to dispute as admitting the debt. Under <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1681s-2\" target=\"_blank\" rel=\"noopener\">15 U.S.C. 1681s-2(a)(3)<\/a>, once you dispute information with the company that furnished it, that company may not report it to a bureau without noting the dispute.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-3-dispute-with-the-credit-bureaus\">Step 3: Dispute with Equifax, Experian and TransUnion<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Disputing with the bureaus is free. Under <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1681i\" target=\"_blank\" rel=\"noopener\">15 U.S.C. 1681i<\/a>, a bureau must reinvestigate at no charge, generally within 30 days, extendable by up to 15 days if you send more relevant information during that time. If an item is inaccurate, incomplete or cannot be verified, the law says the bureau must remove or correct it, and it must send you the results within five business days of finishing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dispute with each bureau that shows the entry, sending copies of your evidence. Addresses are in our <a href=\"https:\/\/aicreditcare.com\/blog\/credit-bureau-dispute-addresses\/\">credit bureau dispute addresses<\/a> guide, and <a href=\"https:\/\/aicreditcare.com\/blog\/how-long-does-a-credit-dispute-take\/\">how long a credit dispute takes<\/a> covers what to expect.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"step-4-check-the-dates\">Step 4: Check the dates<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Two separate clocks apply, and they are easy to mix up.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Clock<\/th><th>What it controls<\/th><th>When it starts<\/th><th>Can it restart?<\/th><\/tr><\/thead><tbody><tr><td>Credit reporting period (federal FCRA)<\/td><td>How long a collection can appear on your report<\/td><td>Seven years, counted from 180 days after the original delinquency began<\/td><td>No. A sale to a debt buyer does not change it.<\/td><\/tr><tr><td>Statute of limitations (state law)<\/td><td>How long a creditor can sue you<\/td><td>Varies by state and debt type; the CFPB says most are 3 to 6 years, some longer<\/td><td>In many states, a payment or written acknowledgment may restart it.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Under the <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1681c\" target=\"_blank\" rel=\"noopener\">FCRA, 15 U.S.C. 1681c(c)<\/a>, the seven years begin once 180 days have passed since the delinquency began, about seven and a half years in total. A company reporting a collection must give the bureau the month and year that delinquency began (15 U.S.C. 1681s-2(a)(5)), so selling the debt does not restart the clock. If your report shows a later date than your records, dispute it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Separately, <a href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-X\/part-1006\/subpart-B\/section-1006.26\" target=\"_blank\" rel=\"noopener\">Regulation F, 12 CFR 1006.26(b)<\/a>, says a debt collector must not sue or threaten to sue on a time-barred debt, one where the statute of limitations has expired. The <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/can-debt-collectors-collect-a-debt-thats-several-years-old-en-1423\/\" target=\"_blank\" rel=\"noopener\">CFPB notes<\/a> that a partial payment or acknowledging an old debt may restart that period, so check your state&#8217;s law before paying anything on an old account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"should-you-pay-lvnv-funding\">Should you pay or settle with LVNV Funding?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If the debt is yours and accurate, paying or settling is your decision. Resurgent&#8217;s website says it may be able to resolve some debts for less than the full balance. Before you pay:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Confirm the debt through the validation notice.<\/li>\n\n\n\n<li>Check your state&#8217;s statute of limitations, since a payment may restart it.<\/li>\n\n\n\n<li>Get any settlement in writing first, including the amount and that it resolves the account in full.<\/li>\n\n\n\n<li>Pay in a way that leaves a record, and keep the confirmation.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Paying does not erase the history: accurate information can stay for the full FCRA period, with the balance updated. Score models differ. <a href=\"https:\/\/www.myfico.com\/credit-education\/credit-scores\/fico-score-versions\" target=\"_blank\" rel=\"noopener\">FICO says<\/a> paid third-party collections no longer have a negative impact under FICO Score 9, but also that each lender decides which score version it uses, so a paid collection may still count under other versions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pay-for-delete\">What about pay-for-delete?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pay-for-delete means offering payment if the collector agrees to stop reporting the account. Some collectors may agree; many refuse, and nothing in the FCRA requires them to accept, because accurate information can lawfully be reported. If a collector does agree, get it in writing before you pay, and treat it as a request, not a promise about your report.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"stop-collection-calls\">How to stop or limit calls about an LVNV account<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under the <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1692c\" target=\"_blank\" rel=\"noopener\">FDCPA, 15 U.S.C. 1692c(c)<\/a>, if you tell a debt collector in writing to stop contacting you, or that you refuse to pay, it must stop communicating about that debt, except to confirm it is ending its efforts or to tell you about a specific step it may take, such as a lawsuit. This does not cancel the debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To limit contact instead, tell the collector in writing which times or places are inconvenient. Unless it knows otherwise, a collector must treat 8 a.m. to 9 p.m. your local time as convenient, and it may not contact you at work if it knows your employer prohibits it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-X\/part-1006\/subpart-B\/section-1006.14\" target=\"_blank\" rel=\"noopener\">Regulation F, 12 CFR 1006.14<\/a>, adds a call frequency test: a collector is presumed to violate the rule if it calls about a particular debt more than seven times in seven consecutive days, or within seven days after a phone conversation with you about that debt. Keep a call log.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"if-lvnv-funding-sues-you\">What if LVNV Funding sues you?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Court papers come with a deadline. The <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334\/\" target=\"_blank\" rel=\"noopener\">CFPB says<\/a> to respond by that date, yourself or through a lawyer. If you do not, the court can enter a judgment against you, and depending on your state, the creditor may then garnish wages, freeze money in your bank account or place a lien on property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you believe the debt is past your state&#8217;s statute of limitations, say so in your response. The CFPB notes a court may still enter a judgment if you do not raise that defense. Other defenses can include the debt not being yours or the amount being wrong.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The CFPB notes that legal aid offices and clinics may help for free if you qualify. Ignoring the papers takes away your chance to respond.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"do-you-need-a-credit-repair-company\">Do you need a credit repair company for this?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No. Everything in this guide, from asking for validation to disputing with each bureau, you can do yourself for free. If you want help sorting through three reports, <a href=\"https:\/\/aicreditcare.com\/\">AI Credit Care<\/a> offers a free analysis that reviews your Equifax, Experian and TransUnion reports, flags items that look inaccurate, incomplete or unverifiable, explains each one, and drafts disputes you review and approve before anything is sent. Be wary of anyone who claims they can clear accurate debts; our <a href=\"https:\/\/aicreditcare.com\/blog\/credit-repair-scams-red-flags\/\">credit repair scam red flags<\/a> guide explains what to watch for.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">Frequently asked questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"is-lvnv-funding-a-real-company-or-a-scam\">Is LVNV Funding a real company or a scam?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">LVNV Funding LLC is a real debt buyer that owns charged-off accounts, and Resurgent Capital Services manages those accounts for it. Scammers can still use its name. Ask any caller for a company name, mailing address and phone number, wait for the written validation notice, and call Resurgent back on the number listed on its website before you share payment details.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"what-is-the-lvnv-funding-phone-number\">What is the LVNV Funding phone number?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">LVNV&#8217;s website does not list a separate phone number for LVNV. It points consumers to Resurgent Capital Services, its servicer, whose website lists 1-888-665-0374 and the mailing address P.O. Box 10497, Greenville, SC 29603 (checked 21 October 2026). For a dispute, use the dispute address printed on your validation notice.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-is-lvnv-on-my-report-if-i-never-had-an-account-with-them\">Why is LVNV on my report if I never had an account with them?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">LVNV buys accounts after the original lender charges them off, so the entry usually relates to an older account you had under a different name, such as a credit card or store card. If you do not recognize it, ask the collector in writing for the original creditor&#8217;s name and address, and dispute the entry if it is not yours.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"does-lvnv-buying-my-debt-restart-the-sevenyear-reporting-period\">Does LVNV buying my debt restart the seven-year reporting period?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Under the FCRA, the seven-year reporting period for a collection starts 180 days after the original delinquency began, and the furnisher has to report that original delinquency date. A sale to a debt buyer does not change it. If the date on your report is later than your own records show, you can dispute it as inaccurate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"can-lvnv-funding-sue-me-over-an-old-debt\">Can LVNV Funding sue me over an old debt?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your state&#8217;s statute of limitations has expired, Regulation F bars a debt collector from suing or threatening to sue. Time limits vary by state, and in many states a payment or written acknowledgment may restart the clock. If you are sued anyway, respond by the deadline and raise the time limit as a defense, because a court may otherwise enter judgment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"will-paying-lvnv-funding-help-my-credit-score\">Will paying LVNV Funding help my credit score?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It depends on the score. FICO says paid third-party collections no longer have a negative impact under FICO Score 9, but each lender chooses its score version and other versions may treat them differently. Paying does not require the account to come off your report, because accurate history can be reported for the full FCRA period. Get any settlement in writing first.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sources\">Sources<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lvnvfunding.com\/\" target=\"_blank\" rel=\"noopener\">LVNV Funding: official website<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lvnvfunding.com\/lvnv\/privacy\" target=\"_blank\" rel=\"noopener\">LVNV Funding: privacy policy (Resurgent as master servicer, customer care number)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.resurgent.com\/\" target=\"_blank\" rel=\"noopener\">Resurgent Capital Services: official website and contact details<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.resurgent.com\/scams-and-frauds\" target=\"_blank\" rel=\"noopener\">Resurgent Capital Services: scams and frauds<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.mdcourts.gov\/data\/opinions\/coa\/2019\/46a18.pdf\" target=\"_blank\" rel=\"noopener\">Court of Appeals of Maryland: LVNV Funding LLC v. Finch (22 April 2019)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-X\/part-1006\/subpart-B\/section-1006.34\" target=\"_blank\" rel=\"noopener\">eCFR: 12 CFR 1006.34, validation notice<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-X\/part-1006\/subpart-B\/section-1006.26\" target=\"_blank\" rel=\"noopener\">eCFR: 12 CFR 1006.26, time-barred debts<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.ecfr.gov\/current\/title-12\/chapter-X\/part-1006\/subpart-B\/section-1006.14\" target=\"_blank\" rel=\"noopener\">eCFR: 12 CFR 1006.14, call frequency<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1692c\" target=\"_blank\" rel=\"noopener\">Cornell LII: 15 U.S.C. 1692c, communication with consumers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1692g\" target=\"_blank\" rel=\"noopener\">Cornell LII: 15 U.S.C. 1692g, validation of debts<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1681c\" target=\"_blank\" rel=\"noopener\">Cornell LII: 15 U.S.C. 1681c, reporting time limits<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1681i\" target=\"_blank\" rel=\"noopener\">Cornell LII: 15 U.S.C. 1681i, disputes with credit bureaus<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/15\/1681s-2\" target=\"_blank\" rel=\"noopener\">Cornell LII: 15 U.S.C. 1681s-2, duties of furnishers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-tell-if-a-debt-collector-is-legitimate-or-a-scam-en-1699\/\" target=\"_blank\" rel=\"noopener\">CFPB: How do I tell if a debt collector is legitimate or a scam?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/can-debt-collectors-collect-a-debt-thats-several-years-old-en-1423\/\" target=\"_blank\" rel=\"noopener\">CFPB: Can debt collectors collect a debt that&#8217;s several years old?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334\/\" target=\"_blank\" rel=\"noopener\">CFPB: What should I do if I&#8217;m sued by a debt collector or creditor?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/consumer.ftc.gov\/articles\/debt-collection-faqs\" target=\"_blank\" rel=\"noopener\">FTC: Debt collection FAQs<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.myfico.com\/credit-education\/credit-scores\/fico-score-versions\" target=\"_blank\" rel=\"noopener\">myFICO: FICO Score versions<\/a><\/li>\n<\/ul>\n\n\n\n<div class=\"callout\"><p><strong>About this guide.<\/strong> Written by Ankur Pandey for AI Credit Care. AI Credit Care is not affiliated with LVNV Funding, Resurgent Capital Services or Sherman Financial Group. This is general information, not legal or financial advice. AI Credit Care is a credit repair organization under the Credit Repair Organizations Act. You have the right to dispute inaccurate information on your credit report yourself, free of charge, directly with the credit bureaus.<\/p><\/div>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Is LVNV Funding a real company or a scam?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"LVNV Funding LLC is a real debt buyer that owns charged-off accounts, and Resurgent Capital Services manages those accounts for it. Scammers can still use its name. Ask any caller for a company name, mailing address and phone number, wait for the written validation notice, and call Resurgent back on the number listed on its website before you share payment details.\"}}, {\"@type\": \"Question\", \"name\": \"What is the LVNV Funding phone number?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"LVNV's website does not list a separate phone number for LVNV. It points consumers to Resurgent Capital Services, its servicer, whose website lists 1-888-665-0374 and the mailing address P.O. Box 10497, Greenville, SC 29603 (checked 21 October 2026). For a dispute, use the dispute address printed on your validation notice.\"}}, {\"@type\": \"Question\", \"name\": \"Why is LVNV on my report if I never had an account with them?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"LVNV buys accounts after the original lender charges them off, so the entry usually relates to an older account you had under a different name, such as a credit card or store card. If you do not recognize it, ask the collector in writing for the original creditor's name and address, and dispute the entry if it is not yours.\"}}, {\"@type\": \"Question\", \"name\": \"Does LVNV buying my debt restart the seven-year reporting period?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No. Under the FCRA, the seven-year reporting period for a collection starts 180 days after the original delinquency began, and the furnisher has to report that original delinquency date. A sale to a debt buyer does not change it. If the date on your report is later than your own records show, you can dispute it as inaccurate.\"}}, {\"@type\": \"Question\", \"name\": \"Can LVNV Funding sue me over an old debt?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"If your state's statute of limitations has expired, Regulation F bars a debt collector from suing or threatening to sue. Time limits vary by state, and in many states a payment or written acknowledgment may restart the clock. If you are sued anyway, respond by the deadline and raise the time limit as a defense, because a court may otherwise enter judgment.\"}}, {\"@type\": \"Question\", \"name\": \"Will paying LVNV Funding help my credit score?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It depends on the score. FICO says paid third-party collections no longer have a negative impact under FICO Score 9, but each lender chooses its score version and other versions may treat them differently. Paying does not require the account to come off your report, because accurate history can be reported for the full FCRA period. Get any settlement in writing first.\"}}]}<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>LVNV Funding is a real debt buyer. Here is why it shows up on credit reports, how to verify it, and how to dispute inaccurate entries yourself for free.<\/p>\n","protected":false},"author":1,"featured_media":72,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-75","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-disputes-errors"],"_links":{"self":[{"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/posts\/75","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/comments?post=75"}],"version-history":[{"count":5,"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/posts\/75\/revisions"}],"predecessor-version":[{"id":95,"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/posts\/75\/revisions\/95"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/media\/72"}],"wp:attachment":[{"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/media?parent=75"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/categories?post=75"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aicreditcare.com\/blog\/wp-json\/wp\/v2\/tags?post=75"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}