I'm now ready to tackle the elephant on my credit reports - 4 nasty collections sitting smugly with Portfolio Recovery Associates. I would appreciate any information that those of you who have been successful with them can offer in the best way to move forward. If anyone is willing to message me with specific emails for people they found particularly helpful or the language/arguments they used to get it done, I'd be eternally grateful.
Just Friday I got a piece of mail from them for a WalMart / Synchrony account - & fortunately it also stated "because of the age of your debt, we will not sue you for it."
but still, I would rather have it off my reports entirely!
