Reply
Highlighted
Valued Member
Posts: 41
Registered: ‎10-24-2012
0

First Premier PFD - Success!

[ Edited ]

Surely this is either dumb luck, or I am not understanding something.

 

I sent 2 PFD letters to First Premier bank for two seperate accounts. I used the letters from this site. Yesterday I got back two seperate letters both stating the following:

 

"Dear WhiskeyR,

 

"This letter is regarding your recent request for information on the First Premier Bank credit card account ending in XXXX.

 

"We have completed our investigation and have determined you are not responsible for the disputed account. We have sent information to the four major consumer reporting agencies to remove the account from your consumer file. Please allow 60 to 90 days for the update to reflect on your consumer report. We apologize for any inconvenience this may have caused.

 

"Unfortunately, we are unable to release the account information you are requesting at this time. In cases involving identity theft, the Fair Credit Reporting Act provides an alternative method by which you may be able to obtain some of the requested documents......"

 

Then it goes on to give me instructions to obtain those documents. I never said anything about identity theft or anything. Do I just disregard this part? If so, it looks to be a huge victory for me... they didn't even request any money from me! Am I missing something here?

 

 

Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
0

Re: First Premier PDF - Success I think?

I would call that a delete.


Don't question it, just wait for your report to update.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,966
Registered: ‎03-30-2012
0

Re: First Premier PDF - Success I think?

Which letter did you use???

Scores 5/13/2014: TU FICO: 639 | EQ FICO: 645| EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
Valued Member
Posts: 41
Registered: ‎10-24-2012
0

Re: First Premier PDF - Success I think?

It was the basic letter from the FAQ/sticky or whatever on this forum.

Valued Member
Posts: 41
Registered: ‎10-24-2012
0

Re: First Premier PDF - Success I think?

As of today, both accounts have been removed from my credit reports. I know most have had very little luck with First Premier, but I encourage you to send in a PFD letter anyways. I got delinquincies of ~$1000 removed from my report for the cost of two certified letters.

New Contributor
Posts: 50
Registered: ‎01-02-2013
0

Re: First Premier PDF - Success I think?

That's amazing! Can you PM me the address you used for First Premier?

Valued Member
Posts: 41
Registered: ‎10-24-2012
0

Re: First Premier PDF - Success I think?

Hi kk627,

 

I simply used their main PO Box that was listed on my credit report. I didn't send the letters anywhere special and I didn't send them to anyone specific. I just did a normal PFD as found on this forum. I left the letters at work, but if you need the PO Box I'll find it for you tomorrow.

 

I may have just gotten lucky. I almost didn't bother to even try because a quick search of this forum leads one to conclude that it is impossible to get First Premier delinquent accounds off your reports. So I want everyone to know it is definitely worth a try.

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: First Premier PDF - Success I think?

Congrats

New Contributor
Posts: 121
Registered: ‎01-16-2013
0

Re: First Premier PDF - Success I think?

Does anyone have contact infor or email for them?

Valued Member
Posts: 36
Registered: ‎06-25-2013
0

Re: First Premier PDF - Success I think?

Can you provide the letter you used! I would greatly appreciate it!

Beginning Scores: EQ 487 EP 527 TU 567 June 2013
Updated EQ Score: 524 as of 07/09/13
Updated Scores: FAKO - EQ 553 EX 595 TU 610
FICO EQ 501 EX 580
Goal: 700+ club
I'm Motivated!!! Thanks to all member's of myFICO!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.