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First Premier Help Needed - Is this inaccurate?

dirknights
Established Member

Re: First Premier Help Needed - Is this inaccurate?

Actually I paid in full. I did not settle.




Message 11 of 28
Birdman7
Super Contributor

Re: First Premier Help Needed - Is this inaccurate?

@dirknights Then this must be corrected. EX is inaccurate! Nothing was written off! I wanna know the results when it changes, hopefully you have an EX subscription?

Have you had contact with OC about this/direct dispute? Or disputed it with EX yet? I assume not, since you are just seeing the real data.

You may be able to contact OC informally and explain EX has inaccurate reporting showing a settlement and write-off, when you paid in full. Hopefully they'll update or delete it!

-Community’s scoring wisdom: Scoring Primer.
-New: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.



RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 12 of 28
Birdman7
Super Contributor

Re: First Premier Help Needed - Is this inaccurate?

@dirknightsAnd the dispute comments need to be removed, but that's separate and can likely be solved via phone as described in the thread i referred you to. Well, now you know what to do. Report back!

-Community’s scoring wisdom: Scoring Primer.
-New: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.



RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 13 of 28
dirknights
Established Member

Re: First Premier Help Needed - Is this inaccurate?

Just wanted to say this again, since I don’t think once was enough. You’re awesome, and I really appreciate your help on this. I will update the thread once I have an update.




Message 14 of 28
Birdman7
Super Contributor

Re: First Premier Help Needed - Is this inaccurate?

No prob, glad 2 help!
-Community’s scoring wisdom: Scoring Primer.
-New: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.



RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 15 of 28
Birdman7
Super Contributor

Re: First Premier Help Needed - Is this inaccurate?

Hopefully an informal phone call to the right person at OC can get it resolved without having to go through a formal dispute process! Good luck, look forward to your success.
-Community’s scoring wisdom: Scoring Primer.
-New: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.



RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 16 of 28
dirknights
Established Member

Re: First Premier Help Needed - Is this inaccurate?

I am hoping for that as well. The OC, First Premier is known for being quite difficult to deal with so I might have to go the formal route:




Message 17 of 28
Birdman7
Super Contributor

Re: First Premier Help Needed - Is this inaccurate?

One step at a time and talk to me before you move forward to the next step please
-Community’s scoring wisdom: Scoring Primer.
-New: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.



RIP:

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 18 of 28
gdale6
Moderator

Re: First Premier Help Needed - Is this inaccurate?


@Birdman7 wrote:



IF the payment status is paid, then the date recency should be calculated from should be the date it was paid, NOT the date it was last updated; that would only be the case if it were UNPAID.


Actually with Fico 8 its from date of update even with a paid off CO or CA.

Message 19 of 28
dirknights
Established Member

Re: First Premier Help Needed - Is this inaccurate?

The puzzling thing for me is that, for the most part, there are no significant differences between my Transunion and Experian reports. However, my Transunion is a 762 and my Experian is a 689.   Could it be the fact that on Experian this account is showing (incorrectly) as if it were not paid in full?

 

Thanks





Message 20 of 28
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