Re: First Premier Question

CreditJunkie917 · ‎05-25-2013

I have a CO with first premier for $400. DOFD January 2007. I have tried to call them to have them removed since I paid them in feb 2008. Do I continue to try GW with them or dispute it through the CRAs?

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!

DaBears · ‎05-25-2013

First Premier does not accept good will letters. I had a long talk with their credit reporting manager and she said they had stopped accepting them and had to post it on their website to let people know. I just paid off a charge-off through them that was affecting my UTIL. I have to wait till Nov 2014 for it to fall off.

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CreditJunkie917 · ‎05-25-2013

Ok thanks. Are you seeing that affect your score in anyway, regardless of the payoff?

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!

Anonymous · ‎05-25-2013

A CO will always be scored as a CO. Paying it off would help in utilization if it was factored in.

I would continue with the GWs. I have seen a few posts where some have had success with them, even after they said they won't accept them.

DaBears · ‎05-25-2013

@CreditJunkie917 wrote:
Ok thanks. Are you seeing that affect your score in anyway, regardless of the payoff?

My score did jump when I paid the CO. $412 bal on a $250 CL.....My UTIL is at 6% now

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