Please look at how this is reporting. Looks like its closed, then open, then closed.

[igids1]

Not sure if this will come out OK. First premier is basically showing the account was closed,then ok, then closed, then 30 days late. I am wondering if i should dispute this, or leave it alone. It was late reported over four years ago. Address Identification Number: 0003825174
Status: Paid in settlement.
Date Opened: 10/2004 Reported Since: 11/2004 Date of Status: 04/2008 Last Reported: 04/2008 Type: Credit card Terms: NA Monthly Payment: $0 Responsibility: Individual		Credit Limit/Original Amount: $425 High Balance: $627 Recent Balance: NA Recent Payment: NA
Payment History: 2008 APR CLS MAR 120 FEB 90 JAN 60 2007 DEC 30 NOV CLS OCT CLS SEP 30 AUG CLS JUL 30 JUN OK MAY OK APR OK MAR CLS FEB CLS JAN CLS 2006 DEC CLS NOV 30 OCT OK SEP OK AUG OK JUL OK JUN OK MAY OK APR OK MAR 60 FEB 30 JAN OK 2005 DEC OK NOV OK OCT OK SEP OK AUG OK JUL OK JUN OK MAY OK APR OK MAR OK FEB OK JAN OK 2004 DEC OK NOV OK

[Shogun]

I'd try to get rid of it, it's a negative TL.  Have you tried a GW as opposed to going directly to disputes?

[igids1]

Its first premier bank. I haven't seen any sucess stories with them, so no, I havn't tried the GW route.

[llecs]

Try GWs. I seem to recall a couple success stories in here.

FICO and lenders both view that account as closed because there is no balance showing as owed.