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Regular Contributor
sarahcmgreen
Posts: 113
Registered: ‎01-28-2013
0

Portfolio Recovery DELETED!!

So after going back and forth with these people, my complaint to BBB worked!!!!! I just got their response: Thank you for bringing this matter to the attention of our office. Portfolio Recovery Associates has investigated the consumer's dispute, closed the account ending in 3520 and requested that the credit reporting agencies delete our trade line for the account from their consumer reports. So happy right now!! This site/this forum/you smarty-pants FICO geniuses rock my socks!!

Starting Score: 585
Current Score: EQ Fico 693 | TU Fico 673 | EX Fico 689
Goal Score: 740


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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: Portfolio Recovery DELETED!!

 Congrats!!!!  They were my toughest one!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
Jess421
Posts: 114
Registered: ‎06-06-2012
0

Re: Portfolio Recovery DELETED!!

Congrats!! I also just filed a dispute with BBB for them a few days ago. HOpefully i have the same luck


Starting Score: CK 519 FICO 498
Current Score: 2/26/13 FICO 590 TU FAKO 639
Goal Score: 650


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Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
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Re: Portfolio Recovery DELETED!!

If anyone can give me some tips on what they provided in the BBB complaint, I would greatly appreciate it. I've done multiple complaints to no avail.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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Established Contributor
Crossdivided
Posts: 534
Registered: ‎01-23-2013
0

Re: Portfolio Recovery DELETED!!

WOOT ^5

 

"Rock your socks"?!?!?  Hmmm...ima have to use that one when I get home...see if it works on her.

 

If not, I suppose theres always GW letters.....

Frequent Contributor
denver133
Posts: 266
Registered: ‎12-29-2010
0

Re: Portfolio Recovery DELETED!!

Sarah could you please message me with your message you sent to the BBB?   Thank you!!!!!


Starting MyFico Scores: EX ??? EQ 433 TU 464 on 1/25/13
Current MyFico Scores: EX 673 EQ 685 TU 684 on 10/13/14
Goal Score: 720


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New Contributor
Kixforpa
Posts: 55
Registered: ‎12-21-2010
0

Re: Portfolio Recovery DELETED!!

Would you mind sharing the substance  of the BBB complaint?

~Rebuilding Our Lives~
Regular Contributor
mnosal9
Posts: 236
Registered: ‎05-06-2008
0

Re: Portfolio Recovery DELETED!!

Congrats!!! I have done the same thing and am awaiting a response :smileyhappy:

Starting: 6/2012 : EX: 485(FAKO) EQ: 490(FICO) Trans: 482(FAKO)
Current : 4/2014: EX: 650(FICO) EQ: 664 (FICO) Trans: 681 (FICO)

Cards: NPSL Amex Green (AU), $11500 Discover IT, $4000 Quicksilver One, $3500 Bank of America Travel Rewards,$3000 Amex BCE,$3000 Quicksilver One, $3000 AA, $2500 Sallie Mae MC, $5000 Citibank AA, $1500 Barclay, $1200 Macys
~Back to the Garden~

Goal Score: 700 Across!

Gardening til 8/2014!!
Regular Contributor
sarahcmgreen
Posts: 113
Registered: ‎01-28-2013
0

Re: Portfolio Recovery DELETED!!

good luck! Let us know how it goes with your complaints! Denver and Madmann - check your PM inbox :smileyhappy: just sent you guys what I wrote as my complaint and desired resolution.

Starting Score: 585
Current Score: EQ Fico 693 | TU Fico 673 | EX Fico 689
Goal Score: 740


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Regular Contributor
sarahcmgreen
Posts: 113
Registered: ‎01-28-2013
0

Re: Portfolio Recovery DELETED!!

If someone can tell me how to post a picture, I will post the whole thing from my complaint to their response!!
But here is what I wrote as my complaint: (I just wrote it as if I were my boyfriend)

"Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from HSBC and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company's false reporting. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it as a factoring trade line account."

I just kind of rambled and it probably has a ton of mistakes, but IT WORKED!! I sent the complaint through the BBB website on 2/11 and Portfolio Recovery responded on 2/14 so it was fast!

Here was their response: "Thank you for bringing this matter to the attention of our office. Portfolio Recovery Associates has investigated the consumer's dispute, closed the account ending in 3520 and requested that the credit reporting agencies delete our trade line for the account from their consumer reports."

Starting Score: 585
Current Score: EQ Fico 693 | TU Fico 673 | EX Fico 689
Goal Score: 740


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