Credit Card Center Advertiser Disclosure†
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.
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.
* 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.
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.