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New Contributor
Bigdaddy69
Posts: 64
Registered: ‎05-21-2012
0

!st Premier Bank re-aged account?

Received alert that a deragatory account has hit my credit report 1/26/2013.

Reporting recent payment $200.

Anybody tell me whats going on? Never paid on this account /or contacted anyone.

 

Date Opened: 
03/2009
Date of Status: 
01/2013
Reported Since: 
01/2009
Last Reported Date: 
01/2013

Type: 
Credit card
Terms: 
N/A 
Monthly Payment: 
$0
Responsibility: 
Individual 

Credit Limit: 
N/A
High Balance: 
$424 
Recent Balance: 
$424

Recent Payment: 
$200

 

 

Credit report dated 12/20/2012

 

 

Date Opened:

03/2009

Reported Since:

01/2009

Date of Status:

07/2012

Last Reported:

07/2012

2012

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:
NA

High Balance:

$424

Recent Balance:

$424 as of 07/2012

Recent Payment: $0

 

 

Mega Contributor
RobertEG
Posts: 18,463
Registered: ‎03-19-2007
0

Re: !st Premier Bank re-aged account?

I dont see any derogatory reporting.   Is there something else negative in the credit report related to this account?

 

I do see that they were somehow able to first report on the account before it was opened......

New Contributor
Bigdaddy69
Posts: 64
Registered: ‎05-21-2012
0

Re: !st Premier Bank re-aged account?

Its a charge off account.

Opened 3/2009 and charge off 6/2009

It appears they changed the status date, and added a $200 payment which was never paid.

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: !st Premier Bank re-aged account?

It isn't reporting as a CO.

 

The status date is the date it was updated with the CRAs.  It is legal.

 

As far as stating you made a payment, that is not.

Mega Contributor
RobertEG
Posts: 18,463
Registered: ‎03-19-2007
0

Re: !st Premier Bank re-aged account?

Does your state statute of limitations permit reset of the SOL based on payments?

If so, the issue of reporting a payment might become very significant.

Maybe the "recent payment" was prior to their charge-off, and thus not an issue as to having been made after the DOFD?  Hard to say from the skimpy details in the report.

 

Lots of unaswered questions, as no CO and associated DOFD are shown. If they have in fact reported the charge-off, they were also required to have reported the DOFD to the CRA within 90 days after that reporting.  That date is significant, both to eventual CR exclusion, and quite possibly to setting the initial running of the SOL.

 

Do you have additional details from the report?

 

 

Regular Contributor
dobirdsmommy
Posts: 229
Registered: ‎02-29-2012
0

Re: !st Premier Bank re-aged account?

Did you recently dispute it? If so when they answer the dispute they re-report it. They just did the same thing to me in December. When Chase pulled my credit for my loan they asked why they recently reported it when it has been on my report since 2008. I had just recently disputed with them and it brought my credit down for the new reporting

2011 starting score 383 pull for Santander, EX 639, EQ 669, TU 651 (lending club pull)
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one, Gamestop CC 1150, 2370 FH,! nissan funded lease BYE BYE SANTANDER, Chase Auto Loan 12/16k, VS 1150, BH 1020, Express 1000, Avenue 750, JCrew 800, HSN 1070, Torrid 950,Roamans 800, Jessica London 940, kings direct 800, Buckle 800, OSP 1050, WW 1050, Solutions 800, Blair 750.. baddies: 2 FP CO 08,
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