I checked my credit report and First Premier is still trying to collect a debt that is almost ten years old. The story on First Premier is that I had one of their credit cards. The problem comes in with their credit protection insurance that was supposed to make minimum payments on all my credit cards if something happened. It is a lie, I paid for the insurance until they refused to do what they said they would do. it was $10 a month I was in the hospital for almost five years. If I remember right they drained my bank account with the $10 monthly charge and only made one payment of $20.00 to just the First Premier card when it was supposed to cover all of my cards until I got better. Now here is First Premier ruining my credit still by showing this as an active credit card.smiley