Portfolio Recovery Associate ??? Deleting TL on credit

DjWesley — Thu, 11 Oct 2012 01:17:20 GMT

I have an account with PRA that I have paid in full on January of this year. They have since then reported a 0 balance and in the comments section wrote "paid collection". However, under the type of account it still is listed as open. The DOFD was 6/06 and I really just want this removed. I would like to know how to get them to report this as closed (& does that matter) or have them delete this all together. This TL is listed as a negative item on my credit report which is certainly hurting me as far as the score goes(I think). I also have the original Bank of America secured CC account on my credit listed as a "charge off" ... These are the only two negative items on my credit and are the from the same account. Is it legal for BOA & PRA to be reporting the same thing... Is there anyway of having BOA and PRA remove these?

Any help would be appreciated...

Thanks!

Re: Portfolio Recovery Associate ??? Deleting TL on credit

Shogun — Thu, 11 Oct 2012 02:59:00 GMT

Yes, they can both still post to your CR. It should be Paid/Closed, but should be in the collections portion. Good thing is, it's nearing end of life, maybe another year on your report then gone. Send both of them GWs, it's worth a try.

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Portfolio Recovery Associate ??? Deleting TL on credit

Re: Portfolio Recovery Associate ??? Deleting TL on credit