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Established Member
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
Posts: 13,897
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
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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
New Contributor
Posts: 65
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!

Valued Contributor
Posts: 2,661
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
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
Posts: 65
Registered: ‎03-19-2013
0

Re: UCB PFD SUCCESS!!!

Thank you and I'm sure I will need it!
New Contributor
Posts: 65
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..

Established Contributor
Posts: 855
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.

 

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