Rebuilding Your Credit

[CreditRepairGirl23]

I have been in the rebuilding process . The last few apps I filled out I had no issues with approval.

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 "charged off as bad debt"

Also says estimated date of removal 12/2012

On an experian report I pulled today its shows the original first premier one as $389 charged off  scheduled to continue to 12/2012

but now it also shows

LVNV funding

Original creditor First Premier

Account charged off $389

Collection Account $563 past due as of Oct 2012

Balance as of 10/2012 $563

What do I do?! Send a PFD letter with a settlement offer?

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.

Any advice is MUCH appreciated, as always! xo

[KevinBlock55]

Lvnv wont PFD in my experience. Try BBBing it

[CreditRepairGirl23]

What is BBBing it?

Can I fight it somehow?

[CreditRepairGirl23]

Also just pulled a current transunion, funny thing is it reports on there under the LVNV under delinquincies

But as first premier under good standing accounts

"Pay Status:

Current; Paid or Paying as Agreed"

[KevinBlock55]

I PMed you

[CreditRepairGirl23]

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*

[KevinBlock55]

It will drop in Jan. May not be worth disputing