Portfolio Recovery

Anonymous · ‎09-09-2014

I have received an alert every day from September 5 that a "new collection has been added". This account has been on my report. Why are they updating like this?

myjourney · ‎09-09-2014

Who are the alerts coming from and pls don't say a FAKO moitoring service Lol

Most likely your past SOL and they're using this tactic to hold scores down IMHO

I'd be willing to bet they're also SP'ing you regularly

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

Anonymous · ‎09-09-2014

The updates are with myFico. I'm trying to pay this one off but it's the one of two unpaid collections on my reports. Trying to hold out for a pfd.

alienfico · ‎09-09-2014

wow, they are really nasty. Updating on purpose just to keep chipping away at your score and you till you cave in.....

I hope their system crashes and they lose all their data

Starting: TU:515, EX:521, EQ:528
Current: TU:700 EX:706 EQ:674
FICO Goal: 725
Cap1 Venture $11,000AU, First Progress $500, Cap1 QS $1750, FH$600, Open Sky $300, Cap1 $500, BestBuy $1500 Target $1800

myjourney · ‎09-09-2014

@Anonymous wrote:
The updates are with myFico. I'm trying to pay this one off but it's the one of two unpaid collections on my reports. Trying to hold out for a pfd.

How old is this one?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

baller4life · ‎09-09-2014

PRA is very resistant to pfds. I'm assuming they have validated debt.

dave36021 · ‎09-09-2014

If they are reporting daily I would submit a complaint with CFPB and BBB

Back In the Garden since 6/5/2016

My Fico Scores: EQ:639 EX:665 TU:651

AU: Comenity/Bealls FL 930; Capital One 300 ;

myjourney · ‎09-09-2014

@baller4life wrote:
PRA is very resistant to pfds. I'm assuming they have validated debt.

Kudos and you know why

Yay

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

baller4life · ‎09-09-2014

Anonymous · ‎09-09-2014

I sent debt validation to them. They sent back a generic letter but did not have the correct information. I am in Texas so I sent it citing the texas laws. It is past the SOL.