First Premier question

[Anonymous]

First Premier (OC) is reporting on my CRA as CO.  It is outside of SOL. 

I don't even want to bother w/ PFD letters, so what is the proper way I go about paying them?  Should I call them to find out payment address?

Also, if I pay them will it re-age my account at all?  It is due to fall off January 2011, so that won't change if I pay it off, correct?

Message Edited by SydLo on 08-07-2009 01:11 AM

[daisyduke]

I also had a CO with FP and they did not have a CA reporting on my credit report.Send in a check and put your account number on it. They'll cash it. They cashed my check .  You probably won't have any luck by calling them, it seems that if you input your account number or social over the phone, they'll probably tell you to deal with the CA.

Now, they cashed the check on Jul 21 but have not updated the balance on my account, so I disputed it with the CRA's....By paying them you are avoiding another potential collection, even though it will drop soon..

I  used the address on my cr - 3820 N Louise Ave, Sioux Falls, SD 57104.

Sorry I can't answer your question about re aging....

[BungalowMo]

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@Anonymous wrote:

First Premier (OC) is reporting on my CRA as CO.  It is outside of SOL. 

I don't even want to bother w/ PFD letters, so what is the proper way I go about paying them?  Should I call them to find out payment address?

Also, if I pay them will it re-age my account at all?  It is due to fall off January 2011, so that won't change if I pay it off, correct?

Message Edited by SydLo on 08-07-2009 01:11 AM

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You say they are reporting as CO.  Does this account show a balance?  Or does the bal show $0 ??

[Anonymous]

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@Anonymous wrote:

First Premier (OC) is reporting on my CRA as CO.  It is outside of SOL. 

I don't even want to bother w/ PFD letters, so what is the proper way I go about paying them?  Should I call them to find out payment address?

Also, if I pay them will it re-age my account at all?  It is due to fall off January 2011, so that won't change if I pay it off, correct?

Message Edited by SydLo on 08-07-2009 01:11 AM

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Once it is COd nothing can change the DOFD.  It will still fall off January 2011.

[Anonymous]

This is exactly what it shows:

On True Credit (it is showing it is reporting to all 3 CRAs)

Condition: Derogatory

Balance: $423

Type: Credit Card

Pay Status: Collection/CO

Past Due: $423

Limit: $300

Opened: 8/3/2003

Reported: 7/10/2009

Remarks: TU: Charded off as bad debt.  P&L write off.  EX: Unpaid balance reported as a loss by the credit grantor.  EQ: Charged off account.

On Experian:

Status: Account CO.  $423 written off.  $423 past due as of Jul 2009. 

Status Details: THis account is scheduled to continue on record until Jan 2011.

Date opened: 8/2003

Type: Revolving

Credit Limit: $250

Reported since: 8/2003

High Balance: $423

Date of status: 8/2004

Recent Balance: $423 as of 7/2009

Last reported: 7/2009

Account history: CO as of Aug 2007 to Jul 2009, Aug 2004, 120 days past due as of Jul 2004, 90 days past due as of Jun 2004, 60 days past due as of May 2004, 30 days past due as of Apr 2004

On Equifax:

Current Status: Charge Off

Type of account: Revolving

Credit Limit: $250

Date opened: 8/2003

Date reported: 7/2009

Date of last payment: 1/2004

Balance/Amount Past Due: $423

Date of last activity: n/a

Date major delinquency first reported: 7/2004

Months reviewed: 59

Charge off amount: $423

Date of first delinquency: 3/2004

Comments:  Charge off account

Message Edited by SydLo on 08-07-2009 09:52 AM

[Anonymous]

Did you send a letter with it?

I don't have my full account number because my CRAs block out the last digits.

Should I put my social security number on the money order?

Should I do a money order or cashier's check?

Should I send it CMRRR, or just CM?

Mine is showing:  601 S Minnesota Ave, Sioux Falls, SD, 57104

[Anonymous]

EQ is showing a DOFD as 7/2004.  That means it will come of 7/2011 - 01/2012.

[Anonymous]

I found it on my hard copy of Experian....

Can it report a whole year difference between CRAs?  Because look above @ my Experien and how it reads.

[Anonymous]

Sorry, I read it wrong.  EQ is showing 3/2004 as DOFD.  I do not find a DOFD for EX.

[Anonymous]

I have the same exact issue with fp...down to the $$ amount.

When I called to pay it off they transfered me to a collection agency even though sears is the one reporting.

I was thinking of paying the ca & sending a gw to sears?