07-30-2013 07:43 AM
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.
Thank in advance!
07-30-2013 08:25 AM
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.
07-30-2013 10:12 AM
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.
|Pinnacle||3/2011||$665||120+ days past due||Details|
|Aaronrents||XXXXX3220||12/2008||$0||Pays account as agreed||No||Details|
|Mainstfin||11/2011||$0||Pays account as agreed||No||Details|
07-30-2013 10:27 AM - edited 07-30-2013 11:01 AM
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.
07-30-2013 10:28 AM
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".
07-30-2013 10:32 AM
I'm getting a broken link on the annual posting.
07-30-2013 10:38 AM - edited 07-30-2013 10:48 AM
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.
07-30-2013 10:43 AM - edited 07-30-2013 11:10 AM
07-30-2013 11:09 AM
OK... they can report like that. It's just listing as a CA every month.
07-30-2013 11:19 AM - edited 07-30-2013 11:26 AM
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.