Getting $0 balance collections removed(first premier)

[Anonymous]

So I am trying to improve my credit to buy a house in the future, I've come to low 600,s and I started at low 500s, got collections removed through disputing, im down to a couple that wouldn't come off so I settled and paid them off, I had 2 First premier bank charge offs(never went to collections) I paid them off in full. I may have made a foolish move in thinking they might come off if I disputed them now that they are at a $0 balance, not only did they not come off but Experian and Transunion put them in the collections section , they were never there and they were charged off for like 5 years, now that I disputed, they put it in collections( with a $0 balance, what can I do about this? Also I have an LVNV funding in collection (also at a $0 balance) any suggestions or help will be greatly appreciated,

[traveler2005]

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@Anonymous wrote:
So I am trying to improve my credit to buy a house in the future, I've come to low 600,s and I started at low 500s, got collections removed through disputing, im down to a couple that wouldn't come off so I settled and paid them off, I had 2 First premier bank charge offs(never went to collections) I paid them off in full. I may have made a foolish move in thinking they might come off if I disputed them now that they are at a $0 balance, not only did they not come off but Experian and Transunion put them in the collections section , they were never there and they were charged off for like 5 years, now that I disputed, they put it in collections( with a $0 balance, what can I do about this? Also I have an LVNV funding in collection (also at a $0 balance) any suggestions or help will be greatly appreciated,

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Hi

Check your personal email for a great list of first premier email address!  Best Wishes

[eric19k]

Start sending GW

[Anonymous]

I checked, there was nothing there

[Anonymous]

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@Anonymous wrote:
So I am trying to improve my credit to buy a house in the future, I've come to low 600,s and I started at low 500s, got collections removed through disputing, im down to a couple that wouldn't come off so I settled and paid them off, I had 2 First premier bank charge offs(never went to collections) I paid them off in full. I may have made a foolish move in thinking they might come off if I disputed them now that they are at a $0 balance, not only did they not come off but Experian and Transunion put them in the collections section , they were never there and they were charged off for like 5 years, now that I disputed, they put it in collections( with a $0 balance, what can I do about this? Also I have an LVNV funding in collection (also at a $0 balance) any suggestions or help will be greatly appreciated,

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Was the FP accounts opened prior to 2008? If so you may claim relief under the 2008 FTC action against FP's parent Compucredit

[Anonymous]

The 2 first premier accounts are from 2008, does it have to be prior to that?

[Anonymous]

After 7 years, they should be removed.

[Anonymous]

Opened in 2008 or charged off in 2008?

The FTC suit was filed June 2008. I would think that any accounts opened prior to that would fall under that settlement. Read up on the case - lots of stories about it. Just Google "Compucredit FTC Suit"

[LoveGoodCredit]

I know this is an older posting, and not trying to revive it.  Travler can you send me the email you used?  I am trying to get this tradeline removed and having no luck.  It is still an open collection and South Credit is trying to settle on it.  But if I settle I would like them to remove or update the tradeline to at least paid.  Any tips with first premiere?