http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703086#M218219 Lvnv wont PFD in my experience. Try BBBing it Fri, 16 Nov 2012 03:27:46 GMT KevinBlock55 2012-11-16T03:27:46Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703076#M218217 <p>I have been in the rebuilding process . The last few apps I filled out I had no issues with approval.</p><p> </p><p>Today apply for apple financing through barclay - denied. When asked the reason was told recent late payments to first premier, an oldie from 9/2005 and a copy of my TU report I pulled in August 2011 lists it as closed 3/2006 &quot;charged off as bad debt&quot;</p><p> </p><p>Also says estimated date of removal 12/2012</p><p> </p><p>On an experian report I pulled today its shows the original first premier one as $389 charged off  scheduled to continue to 12/2012</p><p> </p><p>but now it also shows</p><p>LVNV funding</p><p>Original creditor First Premier</p><p>Account charged off $389</p><p>Collection Account $563 past due as of Oct 2012</p><p>Balance as of 10/2012 $563</p><p> </p><p>What do I do?! Send a PFD letter with a settlement offer?</p><p> </p><p>Ugh so aggravating , was really on my way started at scores under 600 and got my scorewatch notification I hit my goal of 640 and set a new goal of 650.</p><p> </p><p>Any advice is MUCH appreciated, as always! xo</p><p> </p> Fri, 16 Nov 2012 03:26:28 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703076#M218217 CreditRepairGirl23 2012-11-16T03:26:28Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703086#M218219 Lvnv wont PFD in my experience. Try BBBing it Fri, 16 Nov 2012 03:27:46 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703086#M218219 KevinBlock55 2012-11-16T03:27:46Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703090#M218221 <p>What is BBBing it?</p><p> </p><p>Can I fight it somehow?</p> Fri, 16 Nov 2012 03:31:06 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703090#M218221 CreditRepairGirl23 2012-11-16T03:31:06Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703098#M218223 <p>Also just pulled a current transunion, funny thing is it reports on there under the LVNV under delinquincies</p><p> </p><p>But as first premier under good standing accounts</p><div class="c3AccountLabel4">&quot;Pay Status:</div><div class="c3AccountValue4">Current; Paid or Paying as Agreed&quot;</div> Fri, 16 Nov 2012 03:36:04 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703098#M218223 CreditRepairGirl23 2012-11-16T03:36:04Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703110#M218224 I PMed you Fri, 16 Nov 2012 03:41:18 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703110#M218224 KevinBlock55 2012-11-16T03:41:18Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703186#M218226 Also on current tu report the lvmv says it will report till 1/2013 does that mean itll drop off in jan? That seems like such a short time oct to jan it just doesnt seem right. *sigh* Fri, 16 Nov 2012 04:15:36 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703186#M218226 CreditRepairGirl23 2012-11-16T04:15:36Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703210#M218227 It will drop in Jan. May not be worth disputing Fri, 16 Nov 2012 04:29:32 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Help-Old-first-premier-now-hurting-me/m-p/1703210#M218227 KevinBlock55 2012-11-16T04:29:32Z