Rebuilding Your Credit

[bmblbg]

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!!

[_jb_]

Awesome and congrats! Love to see these stories!

[Shogun]

Awesome job!  Portfolio is a tough nut to crack!

[Epcot]

Nice going, Congrats!

[chapal75]

Hi!

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!

[sarahcmgreen]

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?

[Jess421]

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!

[Jslow]

I tried the BBB approach with asset acceptance, the BBB told me they don't deal with collection agencies and to contact the Ftc, weird...

[sarahcmgreen]

@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!

[Jslow]

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.