Writer:  Joeziel Vazquez, CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS) Experience:  17 Years in Credit Repair Industry Published:  November 6, 2025  | Updated: November 11, 2025 Reading Time:  32 minutes Editorial Note: This investigation has been updated to correct numerical inaccuracies and provide better clarity on review data that was inadvertently misrepresented in the original publication. We maintain our commitment to factual accuracy and transparency. Co

Written by:  Joeziel Vazquez CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS) 17 Years Experience Published:  Nov 5th, 2025 Reading Time:   Approx. 18-22 minutes It begins with a sinking feeling. You’re reviewing your credit report, a ritual of modern financial life, and there it is: LVNV Funding LLC. The name is sterile, corporate, and utterly confusing. It’s not a credit card you remember. It’s not a store account you opened. It’s a ghost from your financial past

Student loans can significantly impact your credit report for years—sometimes indefinitely. Understanding federal and private student loan reporting rules, including critical FCRA protections and recent Supreme Court rulings, is essential for protecting your financial future and credit score.