First Premier Bank Card is the worst company I've ever had the displeasure of knowing. Even when my card was in good standing, the people that I spoke with on the phone from the company were the worst human beings ever.
This card was charged off in 2014 after the ridiculous late charges and interest rates raised the monthly payment beyond my means. Since then it has tanked my credit from nearly 700 to the 520's. They have single handedly destroyed by ability to borrow, and now I am finally going to fight back and knock them out of my past.
I've been lurking on this site for about a week now, and I just want to outrightly thank the members here for all of the information that you share. I figured I'd stop creeping, and possibly contribute to the public service.
THIS is my approach:
The charge off was for an amount of $346, and I decided to pay that off about 3 weeks ago. The crooked souls at first premier seem much more lazy, than they are generous or compassionate (I'm sure many of you will agree). I couldn't see those jerks responding to a PFD either... So I figured my best gamble is to pay the thing off, file a dispute, and hope that having their money back deters them from any motivation to screw me over further.
I filed a direct dispute with them last night (5/27/15), citing FCRA 623(a)(8)(D), etc.. over email... claiming inaccurate reporting which I scoured my reports for.. I found lots of incosistent reporting between the bureaus, some consecutive reporting of the same deliquencies (30 30, 60, 60), different card open dates (3/1 vs. 3/29), DOLA, etc.
I closed with "under the provisions of 623... respond within 30 days" etc., and now I'm waiting. I guess this post is my official commitment to ride this out to the end, and I know I'm going to get them to remove it.. one way or another. Hopefully this post will help someone else who's dealing with these guys get some resolution too..
Wish me luck,
Sammy
