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Showing results for tags 'ucb'.
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I have an account that JUST went into collections. It is a Sears/Citibank account now being handled by UCB (United Collections Bureau). I called Sears (CitiBank) to discuss options and I was dismissed and immediately forwarded to UCB without discussion. A UCB agent offered a 50% settlement and the credit report would read "settled in full". From my research, that's not really much better than the active collection. The debt. It's mine. $3100. It's legit. Life happened, an oversight happened. Although 50% sounds great, I would rather pay 100% if it means deletion from my credit report. The agent said that UCB is only collecting on behalf of Citi and does not do any reporting of its own. Not sure how true that is. UCB received the account on June 28, it hasn't been in their hands 30 days yet. Not sure if that gives me any leverage or advantage to take care of it right now or what. As of right now UCB is not on the credit report but I have a feeling I won't be so fortunate next month. What are my options at this point? Do I roll the dice by paying and trying a GW delete after? If I do that, is it better to pay in full or to settle? Advice is appreciated. Thanks.
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Sooo, I started my credit repair journey about a month ago and have gotten a few collections removed. I have 2 medical collections by ucb. I sent ucb collections a dv letter using whychat's process for medical collections. They sent me a letter about 2 weeks ago saying they will no longer pursue me for payment and have ordered the all 3 cra's to remove the collections. HOWEVER, its been 2 weeks since and the collections are still reporting. I should also mention that these accounts are also in dispute with the cra's and the investigation isn't finished yet. I don't know what to do. How long should it take for it to be deleted? Any advice would be great!! :-)
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Sooo, I started my credit repair journey about a month ago and have gotten a few collections removed. I have 2 medical collections by ucb. I sent ucb collections a dv letter using whychat's process for medical collections. They sent me a letter about 2 weeks ago saying they will no longer pursue me for payment and have ordered the all 3 cra's to remove the collections. HOWEVER, its been 2 weeks since and the collections are still reporting. I should also mention that these accounts are also in dispute with the cra's and the investigation isn't finished yet. I don't know what to do. How long should it take for it to be deleted? Any advice would be great!! :-)
