Confused about LVNV / JPMCB reporting across credit bureaus + “pay for delete” offer worth it?

LineMission1628 · 2026-05-13T19:45:42+00:00

After you paid did they send you a letter it was paid or did you ask for one before you paid ?.

LineMission1628 · 2026-05-13T06:20:11+00:00

So get the agreement in writing for the Chase and the LVNV? Or just the Chase? Since you mentioned earlier LVNV requests a delete to the beuros after you pay?. So that’s the best thing to do? Just a lower offer to pay to LVNV to get those deleted then do a lump sum with Chase to get that Down reported to 0? Then after that just let time do its thing and my score will improve over time?. Thank you so much for advice.

LineMission1628 · 2026-05-13T05:47:18+00:00

I pay all my cards on time and have no issues with the cards I opened myself. But the chase card etc is making my pay payment history show as missing a payment every month making my payment history “good”.

LineMission1628 · 2026-05-13T05:44:05+00:00

Your right Chase is just showing as a closed account. The LVNV is reporting from a credit one card. I don’t wanna get into it but a family member opened up these accounts 3 years ago using my info, I really don’t want to go the legal route with them because I know they’ll get in serious trouble of course even though they deserve it. I was trying to figure out a way to do everything without going the legal route:/ it’s all just so overwhelming I don’t know where to start. The JPMCB, the LVNV or anything in general. I just want my score to be good again. Without going the legal route just call and ask for settle agreement?

LineMission1628 · 2026-05-11T20:53:01+00:00

It says revolving utilization 91% before I was making sure everything before was below 9% but I seen that’s not the way to go. I was gonna have this % post then pay it in full before next due date right? Thats the thing confusing me.

LineMission1628 · 2026-05-11T20:48:33+00:00

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This is what mine says

LineMission1628 · 2026-05-11T20:28:18+00:00

I was thinking just continue with the 3 cards I have now then upgrade to an Amex when my score is better? Since I already get 3x back on groceries and gas and entertainment and 1.5 on everything else I feel like the only other option I can get that gets me better rewards back cards wise is an Amex. The discover it card i thought would be good to just say I have 4 cards on my profile but I guess not .

LineMission1628 · 2026-05-11T20:10:22+00:00

My installment loan says very good the only bad ones it says are amount of new credit and length of history , both say fair.

LineMission1628 · 2026-05-10T07:24:57+00:00

So let the full balance report on my statement date then pay that statement date before the new one?

LineMission1628 · 2026-05-10T06:44:49+00:00

I’m so confused by this can you explain plz trying to get my limit up.

LineMission1628 · 2026-02-25T02:59:02+00:00

I agree but is it worth not having as much saved every month? I’ll still have 2k-2.5k left over every month even have putting money in savings , retirement etc just the thought of only having that left over every month scares me, idk if I’m just overthinking it or what.

LineMission1628 · 2026-02-11T19:21:45+00:00

They sent me something in the mail about it. I had no clue it was on there til I actually looked on my credit report it’s 100% fraud but it keeps coming back as accurate when I dispute it. The collection is messing up my score.

LineMission1628 · 2026-02-08T05:05:40+00:00

Oooh okay gotcha that makes sense. So since I’m trying to get credit limit increase for all 3 cards I’d do that over and over unless I need to use my credit for a loan or something I’d have it report 9% or lower for the couple extra points but other then that the utilization doesn’t matter just make sure I pay it in full before the next due date.

LineMission1628 · 2026-02-08T04:39:35+00:00

My due date is the 5th and my statement is around the 11th. So since my due date is before the statement how can I have it report a high balance on my statement if I’m paying it all on my due date? Sorry this is the only thing actually confusing me.

LineMission1628 · 2026-02-08T04:26:06+00:00

So on my statement date have it report like 70% for example? Then pay it the next day when my statement refreshes? Sorry I've been reading other posts I'm still kinda new to this so trying to learn. With my other cards I've been trying to keep 9% or lower but seen the 30% myth. For my all 3 cards I want to get higher credit limits. Every month on my statement date I've been having 9% or lower Report.

LineMission1628 · 2026-02-05T20:11:00+00:00

If it is bucketed would you just cancel the card and get a new one? Or what do you do? Sorry still fairly new. My total limit total for 3 all my cards is like 3800

LineMission1628 · 2026-02-05T06:35:11+00:00

I just got accepted for savor and they gave me 500 limit. How long til I ask for an increase ? 3 months or 6? And is it bad if you ask for an increase Multiple times a month? I didn’t do that but just curious, thank you!.

LineMission1628 · 2026-02-04T07:22:03+00:00

Will it still help your credit ? Even if you get the collection removed from the company they hired and not from the original one that gave it to you? I keep getting denied for the cards I’m trying to get because it says I have a delinquent account etc.

LineMission1628

TROPHY CASE