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(866) 579-7779


PORTFOLIO RECOVERY ASSOCIATES ON YOUR REPORT?

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(866) 579-7779


WHAT IS PORTFOLIO RECOVERY ASSOCIATES ON MY CREDIT REPORT?

Portfolio Recovery Associates is a debt collection agency. If you are seeing
them on your credit report, it likely means they have purchased your debt from a
creditor and are (or will be) attempting to collect it from you.


IS PORTFOLIO RECOVERY ASSOCIATES A DEBT COLLECTION AGENCY?

Yes, Portfolio Recovery Associates is a debt collection agency. They buy debt
from a number of different creditors that no longer wish to attempt to collect
the amount themselves (also known as a "charge-off").

Portfolio Recovery Associates may attempt to reach out via mail or phone calls
(demanding payment). The worst part is a collections account will now be seen on
your credit report. This hurts your score, as well as reducing your chances of
getting approved for a loan or other important financial event.

But it’s not all bad news! We may be able to help you with this account. Call us
today to find out more.


WHO DOES PORTFOLIO RECOVERY ASSOCIATES COLLECT FOR?

Portfolio Recovery Associates purchases debt from a range of different
creditors. The information isn’t always publicly available and is constantly
changing, so it’s difficult to provide an accurate and up-to-date list.


DOES PORTFOLIO RECOVERY ASSOCIATES HURT MY CREDIT SCORE?

Yes, it is highly likely having Portfolio Recovery Associates on your credit
report is damaging your score significantly.


LOOKING FOR HELP WITH PORTFOLIO RECOVERY ASSOCIATES?

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HOW DO I REMOVE PORTFOLIO RECOVERY ASSOCIATES FROM MY CREDIT REPORT?

To be eligible to remove Portfolio Recovery Associates from your credit report,
you typically need to meet the following requirements:

 * Any information on the account is incorrect
 * Any information on the account is error’d
 * Any information on the account is fraudulent
 * And is not (or cannot be) fixed in an appropriate amount of time

According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes
or serious errors. Going after these types of accounts for our clients is our
specialty.


SHOULD I PAY FOR DELETE WITH PORTFOLIO RECOVERY ASSOCIATES?

Paying off Portfolio Recovery Associates to have credit bureaus delete it from
your report sounds like a good idea. There's one major problem. Paying a debt in
collections changes your credit report status from 'unpaid' to 'paid', but the
collection remains on your report for 7 years (from the date of first
delinquency). This means your credit is still damaged.


SHOULD I NEGOTIATE A SETTLEMENT WITH PORTFOLIO RECOVERY ASSOCIATES?

Settling your debt with Portfolio Recovery Associates could go both ways. It may
help your score, but it may also hurt your score. Many variables impact the end
result. There is a better path to a good result. Work with a company that is
able to review these accounts for you (like Credit Sage), and if any issues with
the account exist you may have it removed all together (and never have to hear
from them again).


IS PORTFOLIO RECOVERY ASSOCIATES LEGIT, FAKE OR A SCAM?

Portfolio Recovery Associates is a legitimate company. They aren’t fake or
trying to scam you. But it is likely they are spam calling you trying to collect
a debt. One of the best ways to deal with this is to dispute and remove
unvalidated debts.


LOOKING FOR HELP WITH PORTFOLIO RECOVERY ASSOCIATES?

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WHY DO PORTFOLIO RECOVERY ASSOCIATES KEEP CALLING ME?

Portfolio Recovery Associates continues to call and attempt to collect a debt.
The best thing you can do is ignore their calls and speak with a company that
can help you get it removed (like Credit Sage).


HOW TO GET PORTFOLIO RECOVERY ASSOCIATES TO STOP CALLING ME?

As we’ve mentioned above, Portfolio Recovery Associates will be calling you to
attempt to collect a debt. The best thing you can do to stop this is speak with
a company that can help you get them removed from your credit report, like
Credit Sage. Once they are off your credit report, you won’t have to hear from
them again.


PORTFOLIO RECOVERY ASSOCIATES REVIEWS AND COMPLAINTS

Portfolio Recovery Associates has terrible BBB reviews. This may come from their
repeated calls and letters to consumers trying to collect their debt.


WILL PORTFOLIO RECOVERY ASSOCIATES TRY SUING OR GARNISHING MY WAGES?

Portfolio Recovery Associates suing would be a very unlikely situation. In rare
cases it may happen, but it certainly isn’t the norm. State and federal laws
place limits or 'exemptions' that apply to bank and wage garnishments.

We strongly recommend calling us, we’ll help determine the likelihood of a
lawsuit, but also provide you next steps in getting this collection removed.


LOOKING FOR HELP WITH PORTFOLIO RECOVERY ASSOCIATES?

(888) 294-1441

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DOES PORTFOLIO RECOVERY ASSOCIATES ACCEPT A GOODWILL LETTER TO REMOVE MY
COLLECTION/CHARGE-OFF?

Based on our years of experience dealing with companies like this, Portfolio
Recovery Associates does not accept goodwill letters to remove collection
accounts or charge offs.


WHAT ARE MY RIGHTS WHEN DEALING WITH PORTFOLIO RECOVERY ASSOCIATES?

You have the right to dispute any of your debt that Portfolio Recovery
Associates has purchased. Portfolio Recovery Associates is governed by the Fair
Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or
FCRA). While these acts seem very complicated, they provide a great deal of
power to the consumer if you know how to use it properly.


WHAT IS PORTFOLIO RECOVERY ASSOCIATES PHONE NUMBER?

You likely want to call Credit Sage before deciding whether or not to call
Portfolio Recovery Associates. The reason? You may not want to pay Portfolio
Recovery Associates debt, especially if it's inaccurate. Paying it off could
hurt your score.


GET PORTFOLIO RECOVERY ASSOCIATES REMOVED FROM YOUR REPORT, TODAY!

In most cases, we recommend speaking with a Credit Repair professional to
analyze your credit report before you attempt to settle any debt. The main
reason? Settling your debt may actually hurt your score.


LOOKING FOR HELP WITH PORTFOLIO RECOVERY ASSOCIATES?

(888) 294-1441

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IS PORTFOLIO RECOVERY ASSOCIATES SHOWING ON YOUR REPORT CURRENTLY?


01


CONFIRM ACCURACY


02


KNOW ALL YOUR OPTIONS


03


MOVE FORWARDS


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FREQUENTLY ASKED QUESTIONS


WHO DOES PORTFOLIO RECOVERY ASSOCIATES COLLECT DEBTS FOR?

Portfolio Recovery Associates is identified as a debt collector who has reported
a collection account on your credit report. This suggests that they might have
acquired the debt from the original creditor, such as a credit card or loan
company, often at a significantly reduced price, sometimes as little as
one-tenth of the initial debt amount. Alternatively, they might be acting as a
third-party agency, collecting on behalf of another company.

Their means of communication could involve sending letters or making phone
calls, pressuring you to make payments. Unfortunately, the presence of a
collections account on your credit report can have adverse effects on your
credit score, reducing your chances of getting approved for loans or other
crucial financial transactions.


CAN I REMOVE PORTFOLIO RECOVERY ASSOCIATES FROM MY CREDIT?

If there are any inaccuracies, errors, or fraudulent information associated with
Portfolio Recovery Associates on your credit report and these issues cannot be
resolved within a reasonable timeframe, it might be feasible to have it removed.
A U.S. PIRGs study reveals that a significant 79% of credit reports contain
mistakes or significant errors. Our expertise lies in assisting clients in
pursuing such accounts for resolution.


IS PORTFOLIO RECOVERY ASSOCIATES A DEBT COLLECTOR?

Portfolio Recovery Associates is identified as a debt collector who has reported
a collection account on your credit report. They specialize in purchasing debt
from various creditors who have abandoned their efforts to collect the owed
amount, often referred to as a "charge-off."


DOES PORTFOLIO RECOVERY ASSOCIATES NEGATIVELY AFFECT MY CREDIT?

Your credit score can be significantly affected by any negative mark that falls
within its statute of limitations, and a collections account is no exception to
this rule.

(866) 579-7779

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LOOKING FOR HELP WITH PORTFOLIO RECOVERY ASSOCIATES?


(866) 579-7779

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