Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 69
Registered: ‎05-31-2012
0

Help! Old first premier now hurting me ?!

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

 

Established Member
Posts: 74
Registered: ‎07-10-2012
0

Re: Help! Old first premier now hurting me ?!

Lvnv wont PFD in my experience. Try BBBing it
New Contributor
Posts: 69
Registered: ‎05-31-2012
0

Re: Help! Old first premier now hurting me ?!

What is BBBing it?

 

Can I fight it somehow?

New Contributor
Posts: 69
Registered: ‎05-31-2012
0

Re: Help! Old first premier now hurting me ?!

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"
Established Member
Posts: 74
Registered: ‎07-10-2012
0

Re: Help! Old first premier now hurting me ?!

I PMed you
Highlighted
New Contributor
Posts: 69
Registered: ‎05-31-2012
0

Re: Help! Old first premier now hurting me ?!

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*
Established Member
Posts: 74
Registered: ‎07-10-2012
0

Re: Help! Old first premier now hurting me ?!

It will drop in Jan. May not be worth disputing
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.