https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5327672#M567505 <P>It was an account I'd never opened that was listed as open for a few years. It's now deleted, but wasn't the focus on my dispute anyway.&nbsp;</P> Tue, 14 Aug 2018 21:00:04 GMT welsij 2018-08-14T21:00:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5324687#M567273 <P>Hi everyone!</P><P>&nbsp;</P><P>So, as most people browsing this board, I'm in the process of rebuilding my credit and am dealing with two FP charge offs. This week, I settled one of them with a collection agency, and the other with First Premier directly after getting the run around with the second agency and forcing them to take payment (which I didn't know I could do). Now, back as early as April, I sent them a 623 dispute regarding inconsistent reporting via e-mail, in which I received a response asking for my updated address. Fast forward, I received some statements. After doing more research it seems like that isn't sufficient validation? Either way, I disputed with the CRAs and sent FP a letter back saying "These don't constitute validation", to which I received a response yesterday with a deletion of another, apparently ghost FP tradeline that's been reporting positively for the last few years. Thing is, I haven't had an open account with FP. So I don't know where that tradeline came from.&nbsp;</P><P>&nbsp;</P><P>More importantly, though, considering that I referenced the last four of account numbers, and account history specifically in my direct disputes, does this deletion of an unrelated, undisputed tradeline qualify as a satisfactory response? How do I move forward? They still haven't addressed my primary complaint. &nbsp;</P><P>&nbsp;</P><P>I sent another 623 e-mail today, after receiving the deletion letter and I'd like to CMRRR something back in response to this, but I'm at a loss as to how I should craft a response.</P><P>&nbsp;</P><P>HELP!&nbsp;</P> Sat, 11 Aug 2018 21:44:37 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5324687#M567273 welsij 2018-08-11T21:44:37Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5325775#M567349 <P>Anyone? :/</P> Mon, 13 Aug 2018 00:18:11 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5325775#M567349 welsij 2018-08-13T00:18:11Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5325840#M567356 What leads you to think the account deleted is a "ghost" tradeline?<BR /><BR />Since it was only yesterday you received a response confirming deletion, maybe you should wait and watch for updates on your reports before responding. Mon, 13 Aug 2018 02:21:54 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5325840#M567356 Anonymous 2018-08-13T02:21:54Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5327672#M567505 <P>It was an account I'd never opened that was listed as open for a few years. It's now deleted, but wasn't the focus on my dispute anyway.&nbsp;</P> Tue, 14 Aug 2018 21:00:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/First-Premier-deleted-wrong-account-Now-what/m-p/5327672#M567505 welsij 2018-08-14T21:00:04Z