Rebuilding Your Credit

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Valued Contributor
rckstrscott
Posts: 2,244
Registered: ‎04-25-2011

United Collection Bureau (UCB) GW success

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‎06-03-2011 12:11 AM

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): 05/12: TU: 722 | EQ: 712 | EX: 686
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
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
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kbrance09
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kbrance09
Posts: 3
Registered: ‎03-08-2011

Re: United Collection Bureau (UCB) GW success

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‎10-29-2012 02:59 PM

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?

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Valued Contributor
rckstrscott
Posts: 2,244
Registered: ‎04-25-2011

Re: United Collection Bureau (UCB) GW success

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‎10-29-2012 03:06 PM

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): 05/12: TU: 722 | EQ: 712 | EX: 686
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
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: United Collection Bureau (UCB) GW success

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‎10-29-2012 03:08 PM

LOL. Scott, too funny! :smileyhappy:
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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Valued Contributor
rckstrscott
Posts: 2,244
Registered: ‎04-25-2011

Re: United Collection Bureau (UCB) GW success

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‎10-29-2012 03:10 PM

Epcot wrote:
LOL. Scott, too funny! :smileyhappy:

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): 05/12: TU: 722 | EQ: 712 | EX: 686
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
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
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Shogun
Posts: 7,365
Registered: ‎04-15-2011

Re: United Collection Bureau (UCB) GW success

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‎10-29-2012 06:26 PM

Nice file system.. 

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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