Is this FIRST PREMIER CO still affecting me ?!!

[Anonymous]

I had a CO for a First Premier Card in 2008 -- due to age off by April 2016.. But i just pulled my FICO reports and it states it is reporting as over 90 days late EACGH MONTH: This is what I see on my EXPERIAN:

25 times (Jun 2015, May 2015, Apr 2015, Mar 2015, Feb 2015, Jan 2015, Dec 2014, Nov 2014, Oct 2014, Sep 2014, Aug 2014, Jul 2014, Jun 2014, May 2014, Apr 2014, Mar 2014, Feb 2014, Jan 2014, Dec 2013, Nov 2013, Oct 2013, Sep 2013, Aug 2013, Jul 2013, Jun 2013)

Reported as recent as June as CO...Unpaid still.  Is this killing my score?  I have been wondering why my score isnt climbing past 600, as this is my only real baddie left... Im also getting my UTIL down .. just went from 82% overall to 59%, getting there!  Scores have climbed 40 points in 4 months.. But I want to see at least a 640 by winter.  Any advice??  What is this card doing to my score and should I pay it, or just wait it out until April ?  I can maybe get an Early Exclusion from TU... Advice ??

[Anonymous]

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@Anonymous wrote:

I had a CO for a First Premier Card in 2008 -- due to age off by April 2016.. But i just pulled my FICO reports and it states it is reporting as over 90 days late EACGH MONTH: This is what I see on my EXPERIAN:

25 times (Jun 2015, May 2015, Apr 2015, Mar 2015, Feb 2015, Jan 2015, Dec 2014, Nov 2014, Oct 2014, Sep 2014, Aug 2014, Jul 2014, Jun 2014, May 2014, Apr 2014, Mar 2014, Feb 2014, Jan 2014, Dec 2013, Nov 2013, Oct 2013, Sep 2013, Aug 2013, Jul 2013, Jun 2013)

Reported as recent as June as CO...Unpaid still.  Is this killing my score?  I have been wondering why my score isnt climbing past 600, as this is my only real baddie left... Im also getting my UTIL down .. just went from 82% overall to 59%, getting there!  Scores have climbed 40 points in 4 months.. But I want to see at least a 640 by winter.  Any advice??  What is this card doing to my score and should I pay it, or just wait it out until April ?  I can maybe get an Early Exclusion from TU... Advice ??

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Is this you?

http://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/863878

[Anonymous]

Yes and I'm so lost. I ordered the MyFico monitoring under an old account I forgot about because it wouldn't go through under that account. Very very confusing !

[Anonymous]

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@Anonymous wrote:
Yes and I'm so lost. I ordered the MyFico monitoring under an old account I forgot about because it wouldn't go through under that account. Very very confusing !

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Order your reports from the annual free credit report site and peruse them to see if it is in fact reporting the way you see it on MyFICO.

[Anonymous]

It is. I checked. I just don't know if it's reporting monthly if that is dragging my score

[Anonymous]

Is this from First Premier or a collection agency? Either way, that sucks. I had a collection agency once update mine every month as well so that it looked recent or "fresh". I'm so glad those days are behind me now. I never did pay it, so they still SP my credit report every month (I'm assuming to get my current phone # and address) and they call like crazy, but at least they can't damage my credit report any more. Although, I did have one CA that put an old collection back on my report several months after it had been removed because it had been 7.5 years (but I was easy to get removed again). The lesson I learned is to pay what I owe because they never go away, and they make your life miserable!

[Anonymous]

Oh and yes, it is hurting your score.

[Anonymous]

This may be an issue then. That utilization you're carrying isn't doing you any favors either..

[Anonymous]

Yes it is actually First Premier. It ages off in7 months so I'm going to try for Early Deletions. Very angry and it makes sense now why my score isn't booming after all my positive changes and on time payments for 2 years now !

[Anonymous]

I will have my UTIL down to 40% soon. I am aiming for 20% by Christmas.