cancel
Showing results for 
Search instead for 
Did you mean: 

DESPERATE for Portolio contact email

Established Member

DESPERATE for Portolio contact email

Hi everyone - 

 

Thanks to some great info and advice here I've been able to bring my scores up 50 points in 4 weeks. Still trying to get Portfolio to agree to PTD on two relatively small accounts that are keeping me below 580 for an FHA loan. Does anyone have an email address or phone number to get somewhere? These are the ONLY things holding me back. PLEASE!

Message 1 of 33
32 REPLIES
Established Member

Re: DESPERATE for Portolio contact email

Good look and Godspeed. I’m in the same boat as you and have had no luck. Hopefully someone does chime in and provides that info.
Message 2 of 33
Established Member

Re: DESPERATE for Portolio contact email

The other option is to pay them and try to delete later, but from what I understand it won't help - my loan officer says it's better to not touch them than to pay and have the account update to a more recent status, even if to paid in full. Is she right? Or could paying two collections get me the 20 points I need?

Message 3 of 33
Regular Contributor

Re: DESPERATE for Portolio contact email

PM sent. I successfully had 2 smaller collections from them removed (both under $400 and set to fall off next year, so I don't know if that helped).

Currently rebuilding:
1/18 -
9/18 -

Message 4 of 33
Established Member

Re: DESPERATE for Portolio contact email

Thank you so much!!!! Did you request PFD or had they been paid already? Also did you use a template?

Thank again!!
Message 5 of 33
Regular Contributor

Re: DESPERATE for Portolio contact email

I asked for a GW deletion and just told them my story. I hadn't paid either of them. Saw them removed from all 3 bureaus one day, then about a week later I got letters in the mail saying they had requested them be deleted.

Currently rebuilding:
1/18 -
9/18 -

Message 6 of 33
Contributor

Re: DESPERATE for Portolio contact email

What portfolio company are we talking about? I am dealing with a JH Portfolio place. You got yours deleted without paying? That's awesome.
For Me Starting FICO 8 Score 4/1/18 EX 599 TU 602 EQ 609
Current FICO 8 Score 6/1/18: EX 620 TU 617 EQ 623
Beginning Mortgage Score 4/1/18: EX 537 TU 592 EQ 578
Current Mortgage Scores 6/1/18 EX 607 TU 601 EQ 613
Hubby Starting FICO 8 Score 4/1/18: EX 505 TU 543 EQ 484
Current FICO 8 Score 6/1/18: EX 581 TU 581 EQ 569
Beginning Mortgage Score 4/1/18: EX 494 TU 512 EQ 548
Current Mortgage Scores 6/1/18 EX 577 TU 598 EQ 582
Goal Score 7/1/18: 640 Across the Board


Take the myFICO Fitness Challenge
Message 7 of 33
Established Member

Re: DESPERATE for Portolio contact email

Thank you 🙏🏼

I appreciate you sharing this with me.

I’ll try this out and see what happens. I’ll update once I get a response. Good luck to OP also.
Message 8 of 33
Regular Contributor

Re: DESPERATE for Portolio contact email


@buildingafuture wrote:
What portfolio company are we talking about? I am dealing with a JH Portfolio place. You got yours deleted without paying? That's awesome.

Portfolio Recovery.

Currently rebuilding:
1/18 -
9/18 -

Message 9 of 33
Established Member

Re: DESPERATE for Portolio contact email

Portfolio Recovery Associates LLC, at least I assume that’s what the OP meant and that’s who I’m dealing with.
Message 10 of 33