topic Re: Any Advice On Getting Portfolio Recovery To Delete? in Rebuilding Your Credit

Any Advice On Getting Portfolio Recovery To Delete?

waltini — Fri, 12 Oct 2012 21:39:58 GMT

I am so close to being able to start house hunting. I am trying to get a delete on one of my last baddies. Has any one had any success with Portfolio Recovery? I paid the debt in full in May (before I knew about PFD). I have sent GW letters via snail mail and email with no luck. I appreciate any advice you might have. Thanks!

Re: Any Advice On Getting Portfolio Recovery To Delete?

Shogun — Sat, 13 Oct 2012 06:07:49 GMT

I'm sending you a PM with some information in it that may be useful.

Re: Any Advice On Getting Portfolio Recovery To Delete?

waltini — Sat, 13 Oct 2012 06:11:34 GMT

Thanks so much!

Re: Any Advice On Getting Portfolio Recovery To Delete?

sphinx313 — Sat, 13 Oct 2012 06:24:50 GMT

I would enjoy this same information as I have a $414 Collection with them and want to know the best option to move forward on fixing this account.

Re: Any Advice On Getting Portfolio Recovery To Delete?

Shogun — Sat, 13 Oct 2012 12:12:26 GMT

sent :)

Re: Any Advice On Getting Portfolio Recovery To Delete?

MikeC80 — Mon, 15 Oct 2012 15:38:09 GMT

Hey Shogun,

Can you send me some information as well? Many thanks in advance!

Re: Any Advice On Getting Portfolio Recovery To Delete?

mmmagique — Mon, 15 Oct 2012 18:05:27 GMT

Does the information you're sending out have anything to do with them reporting as a factoring company and/or adding on bogus payments? If so, I would appreciate some help as well. Thanks!!

Re: Any Advice On Getting Portfolio Recovery To Delete?

tookie3 — Mon, 15 Oct 2012 19:06:12 GMT

Hi there...im having this same issue. Can you please send me this info??

Re: Any Advice On Getting Portfolio Recovery To Delete?

waltini — Mon, 15 Oct 2012 19:17:30 GMT

I'll PM you guys right now!

Re: Any Advice On Getting Portfolio Recovery To Delete?

missindependent1979 — Mon, 15 Oct 2012 20:11:06 GMT

I need the information as well. I need to get them of of my credit reports. Thanks in advance!

Re: Any Advice On Getting Portfolio Recovery To Delete?

Roxy1224 — Mon, 15 Oct 2012 23:19:26 GMT

I've also sent them Pfd letters with no success. Can you PM me info too?

Re: Any Advice On Getting Portfolio Recovery To Delete?

waltini — Mon, 15 Oct 2012 23:33:31 GMT

Will do ;)

Re: Any Advice On Getting Portfolio Recovery To Delete?

todo02 — Tue, 16 Oct 2012 13:30:39 GMT

I would like the info as well.

Thanks in advance.

Re: Any Advice On Getting Portfolio Recovery To Delete?

needbettercredit88 — Tue, 16 Oct 2012 18:39:47 GMT

Does anyone mind sending me the info as well. :) thanks

Re: Any Advice On Getting Portfolio Recovery To Delete?

waltini — Wed, 17 Oct 2012 18:05:32 GMT

Just sent it to ya :)

Re: Any Advice On Getting Portfolio Recovery To Delete?

Edk83 — Wed, 07 Nov 2012 21:18:37 GMT

Hey guys, would really appreciate information about this. Trying with this crowd for a while now. Do you think being past the SOL is a negotiation advantage also? Would love this to be deleted from account. Thanks, and best of luck in credit building!

Re: Any Advice On Getting Portfolio Recovery To Delete?

happysam — Wed, 07 Nov 2012 22:40:24 GMT

Any Chance you can Pm me info as well? Thank You

Re: Any Advice On Getting Portfolio Recovery To Delete?

Rlandon87 — Wed, 07 Nov 2012 23:23:11 GMT

This company is very difficult to deal with but, I was able to have both tradelines deleted.

As I will tell anyone here EVERYTIME if the debt is yours then I feel it's your responsibility to pay it, if the company accepts a PFD or lower balance that is just as good to me.
But like I say always- your credit score is a direct reflection of responsibility. I will be the first to say that things happen, but when you are able to take care of the debt YOU created then prove you are responsible and credit worthy.

With that being said.

I paid my balance with portfolio recovery- almost 1k dollars. I called and offered to pay the original balance minus their charges/interest for the time they held the account. They agreed and sent me paperwork signed/printed by a supervisor - then I paid then in full with a one time payment.

I called a month later and asked them to delete the tradeline as a GW adjustment. They stated it was illegal to report incorrectly.

A month later they reported that I still owed the interest and reported more KD on my reports.

I filed a dispute because
A) I had signed paperwork showing the balance paid in full with reciept.
B) they had been reporting false 10$ payments from the time they obtained both accounts for me- highly incorrect I did not pay .01¢ ever until the lump sum payoff.
C) They were also reporting as factoring agency.

Both tradelines were removed a week later and are still gone. And I felt a nice 30-40 point gain on all 3 CRA.

Good luck. Just remember to TAKE CARE OF YOUR RESPINSIBILITIES don't try to get out from them with different methods-

Re: Any Advice On Getting Portfolio Recovery To Delete?

meowmix — Thu, 08 Nov 2012 00:39:58 GMT

Would someone send me the information as well please? Thank you so much!

Re: Any Advice On Getting Portfolio Recovery To Delete?

Shogun — Thu, 08 Nov 2012 01:22:18 GMT

Sent