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Help! Old first premier now hurting me ?!

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CreditRepairGirl23
New Contributor

Help! Old first premier now hurting me ?!

I have been in the rebuilding process . The last few apps I filled out I had no issues with approval.

 

Today apply for apple financing through barclay - denied. When asked the reason was told recent late payments to first premier, an oldie from 9/2005 and a copy of my TU report I pulled in August 2011 lists it as closed 3/2006 "charged off as bad debt"

 

Also says estimated date of removal 12/2012

 

On an experian report I pulled today its shows the original first premier one as $389 charged off  scheduled to continue to 12/2012

 

but now it also shows

LVNV funding

Original creditor First Premier

Account charged off $389

Collection Account $563 past due as of Oct 2012

Balance as of 10/2012 $563

 

What do I do?! Send a PFD letter with a settlement offer?

 

Ugh so aggravating , was really on my way started at scores under 600 and got my scorewatch notification I hit my goal of 640 and set a new goal of 650.

 

Any advice is MUCH appreciated, as always! xo

 

Message 1 of 7
6 REPLIES 6
KevinBlock55
Established Member

Re: Help! Old first premier now hurting me ?!

Lvnv wont PFD in my experience. Try BBBing it
Message 2 of 7
CreditRepairGirl23
New Contributor

Re: Help! Old first premier now hurting me ?!

What is BBBing it?

 

Can I fight it somehow?

Message 3 of 7
CreditRepairGirl23
New Contributor

Re: Help! Old first premier now hurting me ?!

Also just pulled a current transunion, funny thing is it reports on there under the LVNV under delinquincies

 

But as first premier under good standing accounts

"Pay Status:
Current; Paid or Paying as Agreed"
Message 4 of 7
KevinBlock55
Established Member

Re: Help! Old first premier now hurting me ?!

I PMed you
Message 5 of 7
CreditRepairGirl23
New Contributor

Re: Help! Old first premier now hurting me ?!

Also on current tu report the lvmv says it will report till 1/2013 does that mean itll drop off in jan? That seems like such a short time oct to jan it just doesnt seem right. *sigh*
Message 6 of 7
KevinBlock55
Established Member

Re: Help! Old first premier now hurting me ?!

It will drop in Jan. May not be worth disputing
Message 7 of 7
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