topic Re: Unsure of Action to take with Portfolio Recovery- Help! in Rebuilding Your Credit

Unsure of Action to take with Portfolio Recovery- Help!

Edk83 — Thu, 08 Nov 2012 19:15:49 GMT

Hey everyone! I have an old collection on my CR for a credit card from Wells Fargo passed onto Portfolio. Original amount was 700, now its 1150 or something. It is now past its SOL. I sent a debt validation letter last year and I did not get the information I wanted. Now I have a 'Consumer disputes after resolution' comment. There was no resolution in the first place. The debt is due to drop off March 2015. I was wondering should I pay it all off? Offer a PFD letter and pay a lower amount? Or just sit tight and wait? If I was to do PFD letter, could you please PM me any info about your experiences with these lads in the past? Thank you so much. Stuck on a 623 FICO score and need to build it soon!

Re: Unsure of Action to take with Portfolio Recovery- Help!

madmann26 — Thu, 08 Nov 2012 19:20:52 GMT

Good luck with PRA and drink plenty of alcohol.

Re: Unsure of Action to take with Portfolio Recovery- Help!

Shogun — Thu, 08 Nov 2012 19:57:02 GMT

Try a PFD, maybe you could have some luck.

I am writing you in reference to account# XXXXXX that appears on my credit report. I do not recall this account and I am unsure of it's origins. I am aware that this debt is past the SOL of my state. Although this account is unknown to me, in an effort to clear this matter and settle this debt I am willing to make a gesture of good faith and pay $whatever to resolve the debt if you are willing to return said gesture and delete this account from my credit report. I thank you for your time and await your answer. Thank you.

Try something like that. Good Luck

Re: Unsure of Action to take with Portfolio Recovery- Help!

Edk83 — Thu, 08 Nov 2012 19:59:09 GMT

Thank you Shogun very much. I think I'll just keep PFD'ing them. Is there an e-mail address that has proved productive in the past?

Re: Unsure of Action to take with Portfolio Recovery- Help!

Shogun — Thu, 08 Nov 2012 20:16:20 GMT

Sent, check your mailbox.

Re: Unsure of Action to take with Portfolio Recovery- Help!

Rlandon87 — Thu, 08 Nov 2012 20:50:33 GMT

Use the search button

Re: Unsure of Action to take with Portfolio Recovery- Help!

Anonymous — Thu, 08 Nov 2012 21:31:04 GMT

They are difficult to deal with....I attempted to PFD and then decided to settle after rounds and rounds of NO from them. Then I called to check on the status of my updated after I paid them and they stated they are in the process of updating and removing the account. Removing? I thought and called again to double check and sure enough they did remove and is now off my credit report. I am not sure if I just got lucky or what the scenrio was but it did get removed after settlement. Good luck

Re: Unsure of Action to take with Portfolio Recovery- Help!

Edk83 — Sat, 10 Nov 2012 15:02:52 GMT

Thank you all so much. I got an email the day after I contacted them with this response:

Thank you for contacting Portfolio Recovery Associates.

We have investigated your dispute, determined to close the account you referenced, and will request that the credit reporting agencies delete our trade line for this account

Is that a result or what!!!!

Re: Unsure of Action to take with Portfolio Recovery- Help!

Shogun — Sat, 10 Nov 2012 16:32:11 GMT

That's the response we wanted!!!!!! Congrats!

Re: Unsure of Action to take with Portfolio Recovery- Help!

madmann26 — Tue, 13 Nov 2012 14:55:48 GMT

That's the response that I want!! **bleep**!

/end rant

Re: Unsure of Action to take with Portfolio Recovery- Help!

ikanga24 — Sat, 02 Feb 2013 06:49:57 GMT

Cam you send me thier e mail address please.

Re: Unsure of Action to take with Portfolio Recovery- Help!

Anonymous — Sun, 03 Feb 2013 16:11:17 GMT

Would appreciate if someone could PM me the email as well. Thanks!

Re: Unsure of Action to take with Portfolio Recovery- Help!

Anonymous — Sun, 03 Feb 2013 21:15:33 GMT

If anyone has any contact info can they also pass it along to me as well

Thanks in advance

Re: Unsure of Action to take with Portfolio Recovery- Help!

Anonymous — Thu, 21 Mar 2013 01:43:15 GMT

I would love it if you could provide me with that email address as well!

Thanks!

Re: Unsure of Action to take with Portfolio Recovery- Help!

Anonymous — Thu, 21 Mar 2013 02:17:42 GMT

Awesome job! I've been dancing around with them for a year or so and they won't budge!

Re: Unsure of Action to take with Portfolio Recovery- Help!

Anonymous — Thu, 21 Mar 2013 02:23:36 GMT

Yeah, it is unusual to see any success with them, it seems.

Re: Unsure of Action to take with Portfolio Recovery- Help!

Anonymous — Tue, 04 Jun 2013 04:19:28 GMT

If you are still around would you send me the email info for Portfolio? I'm in deep doo doo with them and am hoping for a PFD. They bought my debt already out of SOL.

Thanks for any assistance you can offer.