New Contributor
Posts: 64
Registered: ‎12-01-2011
Re: First Premier Charge Off reporting lates

I guess I need to find out when it was actually sold to the collection agency. I know it was sold to them before March, because the CA sent me a few notices before I ever contacted them. FP is reporting 120+ lates up until April, so that is definitely incorrect.  I think I am going to write a letter to FP requesting the dates it was sold to CA and go from there.  I have two paid judgements from (2008 and 2009) and this FP account as my only negatives left. I will likely have to wait for the judgements to age off since I have no good reason for them to be vacated, but it least there is already a few years since they happened so their impact on my score is maybe not as bad. Now this FP crap makes it look like I have been super late recently which is probably really hurting my score. Ugh.

Starting Score: 539 EQ 11/1/2011
Current Score: 648 EQ SW , 670 TU SW, 654 EX (MTG Pull 8/19/2013)

**It's a marathon not a sprint**