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Portfolio Recovery says they now do PFD!!! Is this possible?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Member

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

Look in FAQ up at the top right.

Message 11 of 64
Frequent Contributor

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

My 2 paid Portfolio Recovery collection accounts were deleted on 10/21/18. My Fico 8 Experian score went from 682 to 706.

Waiting 5 days to check Credit Check Total's Equifax and Transunion Fico 8s. Yay!!!!!

Current FICO 8s: Ex 711, Tu 724, Eq 725
Current FICO 9s: Ex 748, Tu ?? Eq 722
Total TLs: $120,000
Plenty of baddies remain
Message 12 of 64
Regular Contributor

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

Has anyone received notification that PRA was removed from all 3 CRAs?

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 3/18/2019
EX 618
TU 633
EQ 578

Goal Score 650
Message 13 of 64
New Visitor

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

Yes, my husband had 3 paid/settled accounts that were all removed last week. I just paid mine two days ago. Anxious to see how quickly it gets updated.

Message 14 of 64
Frequent Contributor

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

I suspect a lot of PRA reps are going to make their bonus this month!


Message 15 of 64
Valued Member

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

My Portfolio Recovery collection was removed from my Experian and Transunion credit reports. I haven't checked Equifax yet. 

Message 16 of 64
Regular Contributor

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

I received the removal from TU and EQ but score increased only with TU. I never got the official myFICO alert about EQ. I have received anything about EX.
Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO Score 8 7/7/2018
EX 557
TU 566
EQ 514

Current FICO Score 8 as of 3/18/2019
EX 618
TU 633
EQ 578

Goal Score 650
Message 17 of 64
Valued Member

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

Anyone ever try this via their email? I trust my email correspondence more than speaking on the phone.
Message 18 of 64
New Visitor

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

Not sure who is getting the pay for deletes from Portfolio. I got the letter saying the same thing, after reading the reviews decided to pay them. But I paid and they placed the account as settled and updated my last payment date to 2019. I got an alert from experian saying this will negatively impact my scores. Now the account will show as settled for an additional 7yrs!!!! I am definitely disputing this! Do not bother paying them!
Message 19 of 64
Frequent Contributor

Re: Portfolio Recovery says they now do PFD!!! Is this possible?

Actually they update to the amount you pay first then to zero and then they remove it after 30 days of you paying them.





Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


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Message 20 of 64