Is there anything in First Premier's reporting I can dispute for removal? (Pic)

[Anonymous]

Hello,

I appreciate any help on this. I have no idea what to look for as far as inaccurate reporting. Is there anything wrong here?

Account 3 of 4

Profile

COMPANY	First Premier	First Premier Bank	First Premier Bank
LOAN TYPE	Credit Card	Credit Card	Credit Card
ACCOUNT NUMBER	-	XXXXXXXXXXXX	XXXXXXXXXXXX
ACCOUNT HOLDER	Individual	Individual Account	Individual
DATE OPENED	Aug, 2011	Aug, 2011	Aug, 2011
Status Payment Timeline History Terms and Remarks STATUS DATE Feb, 2016 Feb, 2016 Mar, 2016 CONDITION Open Open Open LAST ACTIVITY Nov, 2013 Sep, 2013 Not Available BALANCE $659 $659 $659 STATUS Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor       4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3   2014 2015 2016   LATE 30 DAYS 2 times 0 times 2 times () LATE 60 DAYS 1 time 0 times 1 time () LATE 90 PLUS DAYS 24 times (Jan 2016, Dec 2015, Nov 2015, Oct 2015, Sep 2015, Aug 2015, Jul 2015, Jun 2015, May 2015, Apr 2015, Mar 2015, Feb 2015, Jan 2015, Dec 2014, Nov 2014, Oct 2014, Sep 2014, Aug 2014, Jul 2014, Jun 2014, May 2014, Apr 2014, Mar 2014, Feb 2014) 0 times 6 times (Mar 2016, Feb 2016, Jan 2015, May 2014, Apr 2014, Mar 2014) WORST DELINQUENCY 120+ days past due None Reported Collection HIGH BALANCE - $697 - TERMS - - Revolving SCHEDULED PAYMENT - - - CREDIT LIMIT $400 $400 $400 REMARKS Account closed at consumer's request Charged off account Account closed by consumer Account Closed At Consumer's Request

[RonM21]

Nothing initially.stands out. Is that correct, 24 times being 90 days late?.Or am seeing that wrong?

[Anonymous]

That's how it's currently being reported. Sent a letter for verification the other day. Hoping to get it deleted before I just pay to get it off my utilization.

[Anonymous]

Forgot to ask, is that something I can dispute? It's being reported differently to each cb.. I know you said nothing really jumps out so I am thinking I am just stuck with it. I know First Premier is hard to deal with.

[Anonymous]

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@Anonymous wrote:

That's how it's currently being reported. Sent a letter for verification the other day. Hoping to get it deleted before I just pay to get it off my utilization.

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Is the account with a collector?  The OC does not do verifications.  Also, when was it charged off?  Are you still in your state's SOL?  If so, they can still sue you for the balance.

[RobertEG]

It appears that you are approaching disputes from the point of view that if you find inaccurate reporting, the result is requried deletion of the account from your credit report.

Deletion is only mandated if the information cannot either be verified as reported or corrected so as to overcome the inaccuracy, and even if deletion is mandated, it only extends to the information under dispute, not other accurate information.

[Anonymous]

Oh okay! I'd be so lost without this forum I swear. Thank you.

[Anonymous]

I don't think it is with a collector yet because only First Premier is reporting the debt. As far as SOL, the accounts FOD is in 2014 so I think they can still collect. I intend to pay it if it cannot be verified so I don't mind poking the bear.