I am just starting the repair of my credit and they are a closed account that I haven't paid on in some time. The balance is only $335.25 with a credit limit of $250. If you know anything about First Premier, you know they issue their cards with a $250 limit and about $200 in fees to pay for the privilege of carrying their plastic. Well....I was very nervous about calling because I was sure I was going to have an unpleasant experience. So, I took the aggressive approach and called them and asked the rather pleasant service rep if I could make a $100 dollar payment over the phone. She seemed very excited that I was making a payment that large. In fact, she said she would take $25 off my account for making a check by phone payment and would annotate my account so that it will happen on my next two payments as well. I promised to pay in roughly equal parts over the next two months. So, this $25 per payment thing is really a good deal. Plus, she said as soon as the account is paid off, they would reopen the account. This is weird. I'm a deadbeat and call up with 1/3 payment of the total bill and they are polite, they give me an additional $25 subtracted from my balance, promise to do it each time and then want to re-open my account. I like it...but its weird. Has anyone had a aimilar experience and is their anyway to clean up the derog credit line for this creditor?