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
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
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