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UCB PFD SUCCESS!!!

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admise78
Established Member

UCB PFD SUCCESS!!!

I did the dumbest thing and it pays off!!! i had a new collection account with UCB for a medical bill in 2011!  They promise to delete it after payment but they refuse to put it in writing.  Finally i spoke to a manager and he promise to personally remove from my reports once i paid.  I paid over the phone with my debit card.  Dumb, right? .  I checked equifax today and it is gone!!!  I called Equifax and they they said UCB asked to delete it!!!

 

my EQ score jumps from 628 to 649!!!

Message 1 of 9
8 REPLIES 8
Shogun
Moderator Emeritus

Re: UCB PFD SUCCESS!!!

Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 9
Epcot
Valued Contributor

Re: UCB PFD SUCCESS!!!

Congrats on the deletion! Glad it worked out. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 3 of 9
YMLDC09
New Contributor

Re: UCB PFD SUCCESS!!!

I would LOVE the same result..any chance you remember the manager's name and number to call? Appreciate it!

Message 4 of 9
rckstrscott
Valued Contributor

Re: UCB PFD SUCCESS!!!


@YMLDC09 wrote:

I would LOVE the same result..any chance you remember the manager's name and number to call? Appreciate it!


You don't need the managers name. If they don't agree to PFD, pay it and GW -- I have yet to see someone fail with UCB - Very easy to remove haha

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 5 of 9
admise78
Established Member

Re: UCB PFD SUCCESS!!!

I called UCB and asked to speak to a manager.  They transfer me to manage named "Edit" .  He was the one I dealt with and the I paid over the phone.  He gave a phone number that you can try "Edit".  But I used their customer number and reached him that morning.  It was in the morning around 9 am.  Before you contact them download a recorder app on your cell phone so you record the conversation.  You must enable recorder before dialling to assure recording takes place.  If they offer PFD over the phone, you can say you are recording.  I told him that even though i wasn't really recording the phone call. 

 

Good Luck!!

 

 Personal information (such as full names) and direct phone numbers are not allowed to be posted, per myFICO Terms of Service.

You are welcome to exchange such things, via PM. Lightnin,myFICO moderator

Message 6 of 9
YMLDC09
New Contributor

Re: UCB PFD SUCCESS!!!

Thank you and I'm sure I will need it!
Message 7 of 9
YMLDC09
New Contributor

Re: UCB PFD SUCCESS!!!

Thank you @admise78 for the tip on recording it. I did that and am waiting for the SW update..

Message 8 of 9
ktl72455
Valued Contributor

Re: UCB PFD SUCCESS!!!

I had a medical as well with them and long before I found the forum, I had paid it and after finding the forum, sent a GW letter reg mail and it was deleted.

 

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 9 of 9
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