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Portfolio Recovery Associate ??? Deleting TL on credit


Portfolio Recovery Associate ??? Deleting TL on credit

I have an account with PRA that I have paid in full on January of this year. They have since then reported a 0 balance and in the comments section wrote "paid collection". However, under the type of account it still is listed as open.  The DOFD was 6/06 and I really just want this removed. I would like to know how to get them to report this as closed (& does that matter) or have them delete this all together. This TL is listed as a negative item on my credit report which is certainly hurting me as far as the score goes(I think). I also have the original Bank of America secured CC account on my credit listed as a "charge off" ... These are the only two negative items on my credit and are the from the same account. Is it legal for BOA & PRA to be reporting the same thing... Is there anyway of having BOA and PRA remove these?  




Any help would be appreciated...


Starting Score: 800
Current Score: 800
Goal Score: 850

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Moderator Emeritus

Re: Portfolio Recovery Associate ??? Deleting TL on credit

Yes, they can both still post to your CR.  It should be Paid/Closed, but should be in the collections portion.   Good thing is, it's nearing end of life, maybe another year on your report then gone.  Send both of them GWs, it's worth a try.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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