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Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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United Collection Bureau (UCB) GW success

UCB has agreed to remove a paid collection account..

 

I sent a pretty standard GW letter, took about a month, 2 faxes and 2 regular letters

 

 

-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
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Posts: 4
Registered: ‎03-08-2011
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Re: United Collection Bureau (UCB) GW success

UCB has agreed to remove a paid collection account.

 

May I ask how long this account was paid prior to you sending your GW request?

Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: United Collection Bureau (UCB) GW success


kbrance09 wrote:

UCB has agreed to remove a paid collection account.

 

May I ask how long this account was paid prior to you sending your GW request?


Lets see; that was 18 months ago... I will check my files...

 

*checks files*

 

It was removed in about 3 weeks!

 

-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
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: United Collection Bureau (UCB) GW success

LOL. Scott, too funny! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: United Collection Bureau (UCB) GW success


Epcot wrote:
LOL. Scott, too funny! Smiley Happy

The funniest part is I wasn't lying ha

 

I have a external hard drive that has every single letter I have sent, every single letter recieved (scanned) and a database that has every single fact about every single account I dealt with.. It makes it easier to go back and help out; but also in the off chance I ever get into financial trouble again (lets hope not) I have all the contacts, and whatnot avail fast..

 

-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
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Posts: 13,892
Registered: ‎04-15-2011
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Re: United Collection Bureau (UCB) GW success

Nice file system.. 

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!
Established Member
Posts: 10
Registered: ‎05-29-2013
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Re: United Collection Bureau (UCB) GW success

Hi Scott,

 

I currently have an account that is paid off with UCB. Could you PM me possibly the letter and address of where you send your GW letter. I am in the process of repairing my vredit and hoping to find the same success as you did with them.

 

Thanks,

Jlcoppag!

New Contributor
Posts: 65
Registered: ‎08-13-2013
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Re: United Collection Bureau (UCB) GW success

Very cool.  I have a debt that United no longer has and sent a letter to them just today to ask for removal.  Hope they are as nice.

Starting FICO August 12: EQ: 431 - EX: 490 - TU: 460
Current FICO December 13: EQ: 590 - EX: 621 - TU: 620
**Lender Pull November 2: EQ: 573 - EX: 597 - TU: 611

(All Numbers are from MyFico.com)
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: United Collection Bureau (UCB) GW success


jlcoppag wrote:

Hi Scott,

 

I currently have an account that is paid off with UCB. Could you PM me possibly the letter and address of where you send your GW letter. I am in the process of repairing my vredit and hoping to find the same success as you did with them.

 

Thanks,

Jlcoppag!


No magic on this one, honestly.

 

I just used the address listed on the credit report and send a very standard GW letter asking for the removal.

 

Good luck!

 

-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: 10
Registered: ‎05-29-2013
0

Re: United Collection Bureau (UCB) GW success


rckstrscott wrote:

jlcoppag wrote:

Hi Scott,

 

I currently have an account that is paid off with UCB. Could you PM me possibly the letter and address of where you send your GW letter. I am in the process of repairing my vredit and hoping to find the same success as you did with them.

 

Thanks,

Jlcoppag!


No magic on this one, honestly.

 

I just used the address listed on the credit report and send a very standard GW letter asking for the removal.

 

Good luck!

 

-scott


Thanks.

I'll keep you posted!

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