Credit Card Center Advertiser Disclosure

Reply
Regular Contributor
Posts: 142
Registered: ‎04-07-2017
0

Next Steps with First Premiere Bank

Hello! 

 

About a month ago, I sent a letter to first premier banks EO email (Julie) stating the inaccuracies in their credit reporting and asked for the removal of the tradeline. I received a letter about two weeks later stating they are reporting accurately and that they do not update or remove accurate information. I then sent a new letter, siting the exact inaccuracies along with multiple copies of my CR's showing the inaccuries. Well, to my demise, I received a letter today stating that, again, they did report accruately and would not remove accurate information. Where do I go from here? Do I file a BBB complaint? CFPB?

 

 

Thanks in advance! 

Regular Contributor
Posts: 142
Registered: ‎04-07-2017
0

Re: Next Steps with First Premiere Bank

Bump!
Valued Contributor
Posts: 2,241
Registered: ‎08-25-2016
0

Re: Next Steps with First Premiere Bank

What are the inaccuracies that they are reporting?
Regular Contributor
Posts: 142
Registered: ‎04-07-2017
0

Re: Next Steps with First Premiere Bank

The date opened as well as the late payments. This method has worked for others so I'm not sure where to go from here.
New Contributor
Posts: 76
Registered: ‎05-20-2015
0

Re: Next Steps with First Premiere Bank

I had success with it. She said to wait 45 days for it to be deleted. Im at day 32 or 33 so far. Not sure why they wont remove yours?? My charge off was from 2013.
5/24/17- FICO EQ 584 TU 581 EX 563

Discover Secured:$200 First Progress: $400 Credit One: $300
Victoria's Secret: $250 Express: $250 Children's Place: $250
Fingerhut: $230
Regular Contributor
Posts: 142
Registered: ‎04-07-2017
0

Re: Next Steps with First Premiere Bank

Same here. Did you pay it or no?
Community Leader
Epic Contributor
Posts: 29,171
Registered: ‎03-19-2007
0

Re: Next Steps with First Premiere Bank

Was your letter clearly identified as a direct dispute under FCRA 623(a)(8), or was it only an informal request for deletion?

 

You need a resolved dispute before you can pursue civil action asserting inaccurate reporting.  See FCRA 623(c).

If they verify in response to a dispute, there is no formal procedure for appeal. 

Remedy is then to bring civil action, and get formal review of all the evidence by the court.

The BBB does not have authority to contest verification of a dispute, and the CFPB deals with administrative violations of the FCRA.

The CFPB does not normally pursue contested issues of fact between the parties, they pursue clealy established violations of the statute.

 

 

Regular Contributor
Posts: 142
Registered: ‎04-07-2017
0

Re: Next Steps with First Premiere Bank

Now that I look at it, it actually was not an official dispute and I have no idea why I didnt go that route.

Frequent Contributor
Posts: 261
Registered: ‎07-26-2014
0

Re: Next Steps with First Premiere Bank

I filed a similar complaint with CFPB. They forwarded it to the Federal Reserve who didn't do anything. The accounts are still on my reports.
Started in mid 500 3/16
Current 4/10 EQ 618 TU 628 EX 612
Regular Contributor
Posts: 142
Registered: ‎04-07-2017
0

Re: Next Steps with First Premiere Bank

I resubmitted the 623 direct dispute just now via email. Crosing my fingers.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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.