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Established Member
admise78
Posts: 24
Registered: ‎02-23-2013
0

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!!!

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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+

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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!
Valued Contributor
Epcot
Posts: 2,790
Registered: ‎10-10-2012
0

Re: UCB PFD SUCCESS!!!

Congrats on the deletion! Glad it worked out. :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Contributor
YMLDC09
Posts: 62
Registered: ‎03-19-2013
0

Re: UCB PFD SUCCESS!!!

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



Starting Score: 558 EQ | TU 612
Current Score 7/02/13: 631 EQ | TU 672 | EX 697 Goal Score: 700

NFCU CC: 3.5K goRewards MC | 1k CashRewards + NavCheck: 500 7/2/13
Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

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: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Established Member
admise78
Posts: 24
Registered: ‎02-23-2013
0

Re: UCB PFD SUCCESS!!!

[ Edited ]

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

New Contributor
YMLDC09
Posts: 62
Registered: ‎03-19-2013
0

Re: UCB PFD SUCCESS!!!

Thank you and I'm sure I will need it!


Starting Score: 558 EQ | TU 612
Current Score 7/02/13: 631 EQ | TU 672 | EX 697 Goal Score: 700

NFCU CC: 3.5K goRewards MC | 1k CashRewards + NavCheck: 500 7/2/13
New Contributor
YMLDC09
Posts: 62
Registered: ‎03-19-2013
0

Re: UCB PFD SUCCESS!!!

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



Starting Score: 558 EQ | TU 612
Current Score 7/02/13: 631 EQ | TU 672 | EX 697 Goal Score: 700

NFCU CC: 3.5K goRewards MC | 1k CashRewards + NavCheck: 500 7/2/13
Established Contributor
ktl72455
Posts: 831
Registered: ‎12-09-2012
0

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.

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
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Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)

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