topic Re: NCB DP and Thanks! in Rebuilding Your Credit

NCB DP and Thanks!

DCdubblK — Sun, 12 Sep 2021 18:46:29 GMT

Hi all!

A few months ago (mid-late June) I searched the forums for info on PFD with NCB. I had about $3800 in collections froma previous Elastic line of credit. I did as everyone suggested: called, went through at least 3 lines of customer service and got an agreement for PFD. First, my CRs reflected a $0 balance and then the account was gone. It took about 30 days; they said it was be 30-90.

As a result, my lowest score (Ex) went up 40 points into the 690 range. TU is well into the mid-700s. I've subsequently gotten approved for AMEX Biz Gold and was just approved for Amex platinum this morning.

Thanks for all your helpful info!

Re: NCB DP and Thanks!

MrBEW — Sun, 12 Sep 2021 22:55:24 GMT

Congrats on the deletion. Did you have to pay the entire balance or were you able to negotiate a lower amount?

Re: NCB DP and Thanks!

Anonymous — Sun, 12 Sep 2021 23:32:15 GMT

Thanks! Yes. Forgot to add that part. I stated up front that I wanted to pay the entire balance. One or two of the first reps mentioned that it wouldn't come off with a negotiated or paid-over-time payment, but I reiterated that I was planning to pay the whole thing. I got an email with the details of the agreement and a link to pay.

Re: NCB DP and Thanks!

OmarGB9 — Sun, 12 Sep 2021 23:52:49 GMT

Congrats and thanks for the DP!

Re: NCB DP and Thanks!

Red1Blue — Mon, 13 Sep 2021 11:09:48 GMT

Congrats