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Regular Contributor
Posts: 199
Registered: ‎06-29-2013
0

Pinnacle CA PFD of late payment ding?

I'm looking for advice on paying Pinnacle for a account from Verizon. I've been searching for a couple weeks now on how to deal with Pinnacle and haven't read any positive stories about doing so.

 

I haven't read anyone being able to get Pinnacle to agree for a traditional PFD but was wondering if I should try a PFD of the +120 day's late indicator instead? They are reporting every month  and I would like to get this paid if possible. I really was never late with Pinnacle but they are listed as a 'factoring company' and put a +120 late payment ding on all my report's when they took the account from Verizon.

 

Any advice?

 

Thank in advance!

Starting Score 12/15 (FICO 8) EQ: 488 :-(
7/16 (FICO 8) EX:611 - TU: 579 - EQ 599 --- Goal 660+
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0

Re: Pinnacle CA PFD of late payment ding?

They are a CA and cannot report late payments.  If you are looking at a 3rd party report it is possible it was formatted using information from the OC.

 

Even as a factoring company, they are still a CA and don't have the ability to report lates.

Regular Contributor
Posts: 199
Registered: ‎06-29-2013
0

Re: Pinnacle CA PFD of late payment ding?

They are a CA but they have listed the account as 120+ day's late on all three report's. I just received my three free within the last month and it is on all of them plus it shows on the myFICO report.

 

OtherPinnacle  3/2011$665120+ days past dueThis account has late payments in the pastDetails
OtherAaronrents XXXXX322012/2008$0Pays account as agreedNoDetails
Vehicle LoanMainstfin  11/2011$0Pays account as agreedNoDetails
Starting Score 12/15 (FICO 8) EQ: 488 :-(
7/16 (FICO 8) EX:611 - TU: 579 - EQ 599 --- Goal 660+
Regular Contributor
Posts: 199
Registered: ‎06-29-2013
0

Re: Pinnacle CA PFD of late payment ding?

[ Edited ]

Here is my EX report that I received in June via the Web ( free annual), they hadn't reported yet for the month of June but It has been reported for June and July 2013 now. I have account's on myFiCO, EX and TU currently. MyFICO couldn't pull up my report's on their site so I signed up for EX and TU so I could get the number they have for me. I probably won't keep all three account's open but I wanted to know where I stood with each of them as well.

 

 

(shared below)

 

 

 

Starting Score 12/15 (FICO 8) EQ: 488 :-(
7/16 (FICO 8) EX:611 - TU: 579 - EQ 599 --- Goal 660+
Moderator Emeritus
Posts: 14,051
Registered: ‎04-15-2011
0

Re: Pinnacle CA PFD of late payment ding?

That is a 3rd party report, and it looks like they are just reporting the last status from the OC which is perfectly OK.  It's when they are posting monthly derogs that is a big "NoNO".

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator Emeritus
Posts: 14,051
Registered: ‎04-15-2011
0

Re: Pinnacle CA PFD of late payment ding?

I'm getting a broken link on the annual posting.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Posts: 199
Registered: ‎06-29-2013
0

Re: Pinnacle CA PFD of late payment ding?

[ Edited ]

I have dings starting in July 2010 every month on my EX report. I scanned and uploaded the report to Flickr. I could show you but I'm having problems with the 'insert/edit image' function.

 

I have the URl and dimensions plus set alignment to middle. What do I put for Border, Vertical space and Horizontal space? I would like you to see the report for yourselves.

Starting Score 12/15 (FICO 8) EQ: 488 :-(
7/16 (FICO 8) EX:611 - TU: 579 - EQ 599 --- Goal 660+
Regular Contributor
Posts: 199
Registered: ‎06-29-2013
0

Re: Pinnacle CA PFD of late payment ding?

[ Edited ]

Shoot, can't figure out how to share image. Help...LOLSmiley Frustrated

 

EX Report pg8

 

EX Report pg9

 

Got it, just used insert link instead...

Starting Score 12/15 (FICO 8) EQ: 488 :-(
7/16 (FICO 8) EX:611 - TU: 579 - EQ 599 --- Goal 660+
Moderator Emeritus
Posts: 14,051
Registered: ‎04-15-2011
0

Re: Pinnacle CA PFD of late payment ding?

OK...  they can report like that.  It's just listing as a CA every month.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Posts: 199
Registered: ‎06-29-2013
0

Re: Pinnacle CA PFD of late payment ding?

[ Edited ]

Should I try a PFD just to remove the +120 days late? I don't think they will budge for a traditional PFD, haven't read anywhere that they will. I have only seen that they won't on more than just this forum.

Starting Score 12/15 (FICO 8) EQ: 488 :-(
7/16 (FICO 8) EX:611 - TU: 579 - EQ 599 --- Goal 660+

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