Credit Cards

[adio413]

FIRST PREMIER BANK Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name FIRST PREMIER BANK FIRST PREMIER FST PREMIER Account # 517760739300XXXX 517760739300XXXX 51776073XXXX Account Type Credit Card Revolving or Option Revolving account Balance $440.00 $440.00 $440.00 Date Opened 8/1/2009 8/1/2009 8/7/2009

GECRB/SAMS Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau GECRB/SAMS CLUB GECRB/SAMS Account # 77141003XXXX 77141003XXXX Account Type Revolving or Option Revolving account Balance $0.00 $0.00 Date Opened 2/1/2007 2/7/2007

SOUTHWEST CREDIT SYS Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name No Data Returned For This Bureau SOUTHWEST CREDIT SYS No Data Returned For This Bureau Account # 3503XXXX Account Type Collection Account Balance $564.00 Date Opened 1/1/2012

SOUTHWEST CREDIT SYSTE Potentially Negative Closed More Account Details Experian® Equifax® TransUnion® Account Name SOUTHWEST CREDIT SYSTE SOUTHWEST CREDIT SYS No Data Returned For This Bureau Account # 3736XXXX 3736XXXX Account Type Collection Department / Agency / Attorney Collection Account Balance $663.00 $663.00 Date Opened 7/1/2012 7/1/2012

GECRB/SAMS CLUB Unknown More Account Details Experian® Equifax® TransUnion® Account Name GECRB/SAMS CLUB No Data Returned For This Bureau No Data Returned For This Bureau Account # 771410039995XXXX Account Type Charge Account Balance Date Opened 2/1/2007

so these are all the negatives on my CR as of 10/8/2012

1. the professional account managaments are being disputed via transunion. these were deleted through experian a few weeks ago, but, the CRA don't share info, so i had to doa sepearate dispute

2. the AFNI one for $155..... afni said that has been sent back to the OC (verizon). idk what to do about that one

3. the bureau of collections one is being disputed through transunion. i paid the OC (at&t) almost a month ago but i want this off

4. the first premier bank for $440........... i PIF 3 days ago

5. the 1st and 2nd southwest credit systems was another CA for the same at&t account. AT&ts fraud department got a call from me yesterday. about it showing up a 2nd time on my CR now with a balance of $663!!. when i paid at&t back in septemeber, they told me they would get in contact with bureau of collection and southwest credit systems to let them know i paid in full.

so............. looking at these negatives, what would you say is keeping my score down?

* this is all copy n pasted from my usaa credit monitoring account

[jd5189]

All of the accounts listed as collection, debt purchase, Collection Department / Agency / Attorney...

Until these are no longer on your report, they will continue to keep your score down no matter what CL's you have. I would continue to focus on trying to get these accounts off your report. But, be careful, you can open up cans of worms that you do not want. I have absolutely no experience in removing derogatory information on a CR, I would highly suggest you post over in the Rebuilding forum to get someone that might be able to help you better.

[AvaMommy]

If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Good luck

[adio413]

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AvaMommy wrote:

If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Good luck

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yes the professional account management ones were from old parking tickets. i did a dispute online with experian and they were deleted off ( i never paid them). now i'm waiting for the dispute results from TU

[Uborrow-Upay]

Please visit the Rebuilding forum right here on myfico, folks there will help you out.

All the best to you!

Uborrow-Upay

[AvaMommy]

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adio413 wrote:

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AvaMommy wrote:

If had experience with Professional Accts and for me those were parking tickets...I paid and had them removed. As of right now from what I read you have paid them and are waiting till they get removed. I would play the waiting game and just wait till they are removed and pull your credit report again. As of right now if you said they were paid its up to the CA to remove them.

As for AFNI (DirectTV) I had helped a friend out with getting AFNI removed. Obviously he did a PIF with Direct TV and are waiting fr the removal)

Good luck

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yes the professional account management ones were from old parking tickets. i did a dispute online with experian and they were deleted off ( i never paid them). now i'm waiting for the dispute results from TU

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You know you not paying them means the liklihood of it coming back! I would suggest you paying those as well...just a FYI