@Anonymous wrote:
Woah lol. I don't know if you're talking about First premier here but I am. Shockingly the Cap one used PRA -- I paid them in full then threatened a report to BBB and Attorney general. The next day I awoke to an email from them saying they were deleting and it was GONE in 24 hours!!!!! :-). So Portolio may stink for some but it only took me two weeks to get them off after paying.
First premier is the BANE of my existence howeve!!!!
ohh ok. Man you are lucky. 
Sorry ,i thought you were talking about Cap One. How long ago did the PRA thing happened? I just looked at the pic i posted again and looks like there are several things worng with the way they are reporting the account. I may do the same, send them a letter, pay the freaking $53 and try to get rid of them. If i can do it, i believe my score would hit 700 because i only have the cap one left, which is closed and 4 years old, so the effects on it on my report is minimal. Can you please let me know exactly what you did to get them off your report. I would give anything to see them gone, that's how much i hate them. Because at the beginning they lied to me, and i was new in the building my credit thing, so i made 5 payments of $53 and it was the day i called in to make my last payment that i i was told that they do not delete. So i hung up the phone without paying them. I was soo mad, and still everyday i check my report and i see them on there, i get so angry.
@Anonymous wrote:
They're awful. They all are pretty much (CA). Write to their ombudsman and espali mm yours situation. Praombudsman.com. She even has live chat hours.
It may not work right away as she may say "we can't delete accurate information blah blah bull crap " lol... Pay in full then immediately email the ombudsman again, along with the CEO email and respectfully threaten a complaint with the Attorney general and CFPB based on "being told you were advised they would do a deletion upon payment". Misrepresentation an FCRA violation. :-). Now help me defeat first premier and we are golden lol.
Ok now that i got this part, explain me again what the situation is with First P. HAve not had much sleep last few days and my brain is really slowing down
@Anonymous wrote:
Yea sir. Quite a few revolvers. $11,950 in revolvers -- Ramging from $600 lines to $3,000 lines. BARCLAY, western FCU, care credit all $3000. Cap one QS1 $1500 and $600 and credit one $600. Fingerhut $250 lol.
My UTIL will show at around 30% exactly tomorrow when reports update down from 40% so that should see a bump. .
Also just got 7 recent inquiries removed for fraud apps and creditors pulling without my express OK -- yes count them 7! All from between March and now. So that may give me a few back too. Scores 630-640s as of tonite. . Except EQ in at 600. Ugh lol.
My report overall is good. AAofA 6.7 years, oldest 13 years. Last baddie of 30 day late on student loan will be year old in 3 weeks so that needs to age a bit too. But my biggest issue are those last two COs. Charge offs I'm told are not the same as Collections and are scores differently. So that could play a role too to first premier still harming me
Obviously with the rest of your report you are doing pretty good. After seeing the whole picture, i would not worry about the FP at all, especially with it coming off shortly. How did you get the inq's to come off? That's my biggest problem now. As a builder, i have my share of inq's 26 on EQ 22 on EX 7 on TU. 7 because i have a trick to keep them down and keep applying, but it just dont work on eq and ex.