02-08-2013 05:24 AM
I woke up to this response from PRA to my BBB complaint this morning:
We thank you for your response. While Portfolio Recovery Associates believes that its reporting is accurate and complete, we have closed the account ending in ****, requested that the credit reporting agencies delete our trade line for the account from their consumer reports, and have determined to refrain from further collection communications with the consumer in regard to the account.
And it only took 3 weeks! Yay!! And yes, I realize the account has the potential to show up again under another CA, but I have the OC documentation that this was paid, so I'm crossing my fingers, eyes, arms, legs, & braidinng my hair that this mess is finally behind me!!
02-08-2013 05:37 AM
Awesome and congrats! Love to see these stories!
02-08-2013 07:06 AM
Awesome job! Portfolio is a tough nut to crack!
02-25-2013 10:07 PM
Congrats!!! Can you tell me what exactly did you put in your complaints with BBB? I am having same issue with PRA for a while now and thinking of trying the same approach.
Thanks in advance!
02-25-2013 10:21 PM
Yayyy!!! Same thing just worked for us last week! BBB seems to be the way to go with these guys Nice work! I seriously want to frame the letter from Portfolio Recovery stating deletion! Such a good feeling, isn't it?
02-26-2013 08:26 AM
Great Job!!! I also took the BBB approach to getting them deleted. I havent heard anything back yet, hopefully I will have the same luck! Atleast you will see a nice increase in score!
02-26-2013 03:15 PM
@Jslow That's very weird - They deal with all businesses and there was a section for collections - I would try using the website if you went another route before!
02-26-2013 03:59 PM - edited 02-26-2013 04:00 PM
The reply i recieved from the BBB:
Your complaint is not of the sort handled by the Better Business Bureau as the BBB does not handle:
Complaints based on collection of money for products or services with no underlying product or service issue; including collection of debts owed to the independent agents, contractors or vendors of a business.
Complaints that challenge the validity of local, state or federal law. For example, we would not accept a complaint against a cable company seeking a change in rates set by law. We would accept a complaint against a cable company alleging that its charges were inaccurately computed in accordance with applicable rates.
Please contact the FTC at www.ftc.gov for next steps and options they may have available to you.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.