topic Re: Portfolio Recovery Associates in Rebuilding Your Credit

Portfolio Recovery Associates

KaratePixie — Fri, 11 Jan 2008 22:14:31 GMT

Anyone have any dirt on these people, or had actual dealings with them? I've been able to find out that they use India Telemarketers to do their calling, so they are sending personal info out of the country anyone else have anything else on them?

Re: Portfolio Recovery Associates

Anonymous — Fri, 11 Jan 2008 22:44:39 GMT

The had a collection on my CR - when DV'd they removed it (I am waiting for the reappearance though)

Message Edited by Lady_Scarlet on 01-11-2008 05:44 PM

Re: Portfolio Recovery Associates

KaratePixie — Fri, 11 Jan 2008 22:49:28 GMT

Reappear?

Re: Portfolio Recovery Associates

fused — Fri, 11 Jan 2008 22:52:19 GMT

Portfolio recently placed a hard inq on my TU report for a collection that's more than 10 years old without permissible purpose.

Re: Portfolio Recovery Associates

KaratePixie — Fri, 11 Jan 2008 23:08:25 GMT

Are you going to do anything about it? How long ago was this? They are being sued, I found some dirt on them at www.Justia.com, for all kinds of violations of FACTA, etc.

Re: Portfolio Recovery Associates

fused — Fri, 11 Jan 2008 23:12:35 GMT

The inq was placed on 12/29...some holiday gift. Though my scores are quite good, I'm still suing both Portfolio and TU. This is just a matter of principle.

Re: Portfolio Recovery Associates

KaratePixie — Sat, 12 Jan 2008 01:32:07 GMT

Your suing? Could we perhaps chat? I'm a little irate about this situation and would like to know if I'm eligible to sue, and what it would cost me to do that. EDITED! I'd be really grateful and interested in hearing what your experience has been.

I would be happy that we share our experiences, but let's do so either in the forums or by PM (private messages). MyFICO prefers we do not share personal info in the forums, it's for everyone's safety. Thank you for your undersyanding!

---fused

Message Edited by fused on 01-11-2008 03:32 PM

Re: Portfolio Recovery Associates

Anonymous — Sat, 26 Jan 2008 01:35:44 GMT

Potfolio Recovery....where should I begin. The debt is over 7 years from Sears....disputed it with all three agencies. Two removed it with no questions asked. Equifax will not remove and said they are still reporting on me and the date of last activity is within the 7 years. Why won't they remove it and the others did? How can I get this off my Equifax report? HELP!!!!

Re: Portfolio Recovery Associates

Schoolbuskid — Wed, 09 Jul 2008 22:37:30 GMT

Nicolette1965 wrote:
Potfolio Recovery....where should I begin. The debt is over 7 years from Sears....disputed it with all three agencies. Two removed it with no questions asked. Equifax will not remove and said they are still reporting on me and the date of last activity is within the 7 years. Why won't they remove it and the others did? How can I get this off my Equifax report? HELP!!!!

Some CRA's act more stupid than the others at times...and they do not share information...so while the other two deleted, EQ probably believes it should stay!

Try DV'ing them again..

Re: Portfolio Recovery Associates

RobertEG — Thu, 10 Jul 2008 01:52:35 GMT

Section 805 of the Fair Debt Collection Act sets forth:

§ 805. Communication in connection with debt collection [15 USC 1692c]

(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person

other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Message Edited by RobertEG on 07-09-2008 06:52 PM

Re: Portfolio Recovery Associates

Anonymous — Fri, 26 Feb 2010 20:42:05 GMT

I called Portfolio Recovery Associates, at their (local)# 757-519-9300 and asked for their fax number and they wouldn't give it to me. Then I called back and asked to speak to a rep about my case, a lady named edited came on and I told her that I needed to verify their fax number, I asked is your fax number (757) 321-2505 and the lady said yes, I said are you sure, and she said yes. Then, I called back and asked another rep, is your fax number (757)321-2506 and the rep said yes. This clearly shows me that they are lying and don't want anyone to have their fax number. I called back and asked for Wilson lady and she came on, I told her that I was a debt collector trying to recover some money that she owes for a sears credit card. Isn't your name edited, she said yes but I don't have a sears account. So I said I'm only an employee here at BRP and it shows here that you owe $1255 to sears and it shows on your credit report as no payment has been made. She freaked out and said that she works for a collection agency and she knows all the little tricks that these companies play. I said so your familiar with the process and that Portfolio Recovery Associates reports to the credit bureau when they shouldn't be doing so. She stayed quiet told me to remove that immediately from her credit report. So I said, let me have your fax number and I will fax you the information right of away so you can see for yourself. So she said (757) 321-2504. LOL I believe she was saying the truth this time I verified online in a forum, that someone else had this same number

Message Edited by llecs on 02-26-2010 03:42 PM