New Contributor
CreditRepairGirl23
Posts: 67
Registered: ‎05-31-2012
Help! Old first premier now hurting me ?!

I have been in the rebuilding process . The last few apps I filled out I had no issues with approval.

 

Today apply for apple financing through barclay - denied. When asked the reason was told recent late payments to first premier, an oldie from 9/2005 and a copy of my TU report I pulled in August 2011 lists it as closed 3/2006 "charged off as bad debt"

 

Also says estimated date of removal 12/2012

 

On an experian report I pulled today its shows the original first premier one as $389 charged off  scheduled to continue to 12/2012

 

but now it also shows

LVNV funding

Original creditor First Premier

Account charged off $389

Collection Account $563 past due as of Oct 2012

Balance as of 10/2012 $563

 

What do I do?! Send a PFD letter with a settlement offer?

 

Ugh so aggravating , was really on my way started at scores under 600 and got my scorewatch notification I hit my goal of 640 and set a new goal of 650.

 

Any advice is MUCH appreciated, as always! xo

 

Established Member
KevinBlock55
Posts: 74
Registered: ‎07-10-2012
Re: Help! Old first premier now hurting me ?!
Lvnv wont PFD in my experience. Try BBBing it
New Contributor
CreditRepairGirl23
Posts: 67
Registered: ‎05-31-2012
Re: Help! Old first premier now hurting me ?!

What is BBBing it?

 

Can I fight it somehow?

New Contributor
CreditRepairGirl23
Posts: 67
Registered: ‎05-31-2012
Re: Help! Old first premier now hurting me ?!

Also just pulled a current transunion, funny thing is it reports on there under the LVNV under delinquincies

 

But as first premier under good standing accounts

"Pay Status:
Current; Paid or Paying as Agreed"
Established Member
KevinBlock55
Posts: 74
Registered: ‎07-10-2012
Re: Help! Old first premier now hurting me ?!
I PMed you
New Contributor
CreditRepairGirl23
Posts: 67
Registered: ‎05-31-2012
Re: Help! Old first premier now hurting me ?!
Also on current tu report the lvmv says it will report till 1/2013 does that mean itll drop off in jan? That seems like such a short time oct to jan it just doesnt seem right. *sigh*
Established Member
KevinBlock55
Posts: 74
Registered: ‎07-10-2012
Re: Help! Old first premier now hurting me ?!
It will drop in Jan. May not be worth disputing