Reply
New Contributor
CreditRepairGirl23
Posts: 67
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
KevinBlock55
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
CreditRepairGirl23
Posts: 67
Registered: ‎05-31-2012
0

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

What is BBBing it?

 

Can I fight it somehow?

New Contributor
CreditRepairGirl23
Posts: 67
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
KevinBlock55
Posts: 74
Registered: ‎07-10-2012
0

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

I PMed you
New Contributor
CreditRepairGirl23
Posts: 67
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
KevinBlock55
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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}