I'll PM you shortly with contact info (about 20 mins...) but, FYI - First Premier does not grant Goodwill deletions / adjustments - its stated policy on their website and they will not deviate. I'll post back in a bit with more info...
Hi Hpertrain --
Ok.. as I was saying... FP will not grant a Goodwill - there is really no point in even wasting your time trying -- I mean, you can absolutely try if you want but -- put it this way, if they were to grant you a Goodwil, you better run out and buy a lotto ticket that very same day.
The only known way to get FP to remove an account is to prove that they are reporting innaccurately. To do so, you would have to obtain hard (paper) copies of your reports from all 4 bureaus (they also report to Innovis) and review for errors /innacuries (no matter how minor they may be). Hard copy reports show more detailed information than online / web versions and display data in the exact way the creditor is reporting it (including historical payment & ACV data). It is also a good idea to gather any copies of your billing statements to check against the info reported to the bureaus.
If any innacuracies or errors are found, you would have grounds for filing a Direct Dispute, (Notice of Direct Dispute under the provisions of FCRA §623(a)(8)(D) and 16 CFR 660.4). This type of dispute would be filed directly with First Premier - not through the credit bureaus - by mail (or email if you wish), and would detail any discrepencies in their reporting across the bureaus along with a demand that they remove the tradeline. Note: They do not have to remove the tradeline, they can simply opt to correct the errors - but depending on the age of the account (if it's old), they may be more inclined to remove it altogether. They will respond to you by mail with their decision within a couple of weeks -- they are actually pretty quick with responding (if you email them, they may respond by email but they ususally respond by mail regardless of how you made contact). Their favorite repsonse is "we are reporting accurately" along with an outright refusal of your request. If you have valid innaccuracies that you are disputing, then don't give up, send another dispute re-iterating the issues. It may take multiple attempts to be successful (it took me a full year, 2 bureau disputes, and 4 Direct disputes to get my paid FP charge-off removed -- you can read my story here).
Your dispute should start with the following sentence:
This is a Notice of Direct Dispute under the provisions of FCRA §623(a)(8)(D) and 16 CFR 660.4, of the accuracy of information First Premier Bank has reported to my credit file. This correspondence further serves as notice that First Premier Bank is in direct violation of FCRA regulations.
Then, lay it on them... I did mine in an outline form with bullet point explanation for each innacurate notation I was disputing. But you can do it however you wish, just make sure it's clear and accurate. I highly suggest doing this by mail as opposed to email. I think disputes received by mail have a different, more significant effect because the reader is holding the physical paper in hand which kinda forces a more thorough review of information -- especially when the dispute is multiple pages including copies of your reports. When sent as an attachment via email, the reader is just sort of scrolling through - which to me is a lot like skimming the document -- and I wonder how intently they are reviewing the information provided. I could be totally wrong but that is how I feel and the theory has panned out in my experience.
Anyway... end your dispute with a demand that the account be removed immediately. Mail your entire packet to:
Premier Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
Attn: Business Communications
*Or email it to the address I sent to your PM
If no innacuracies / errors are found, then it is likely you will, unfortunately, be stuck with this tradeline until it reaches the 7 year reporting statute.
ughhh. It's not letting me send a PM -- it's saying that I've reached the max # of PMs I'm able to send for now... which is weird since I've only sent like 3 since I've been a member. Can you, instead, try PMing me and I'll respond?
**EDIT**
Nevermind, tried again and it went through... you should have it in your inbox 
@hpertrain wrote:Fantastic and extremely helpful info! Thank you so much. My last payment to them was in late 2015 for a balance of $1038.00.
The other in late 2014 with a balance of just $450.00. If all else fails I could just either let them fall off in the 7 year period or
possibly offer a PFD?
You're welcome. And no, they will not do PFDs either.
If they haven't updated the account info on your reports since your last payments -- then you may be in luck when it comes to finding errors. 2009-2014 /2015 is a time period where they were NOTORIOUS for innaccurate reporting. Go - go order your hard-copy reports and review them... pay especially close attention to how late pays are reporting on each bureau - like whether or not the months marked as late match across the three bureaus.