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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?

Believe it or not I haven’t really seen a bump yet. Equifax jumped quite a bit when it started reporting zero. But it was a really old collection,coming up on seven years. It was only for like 500 bucks. I’ve got one more collection left that’s for about two grand, and two old charge-offs I’m trying to get rid of. I expect that I’ll probably see a nice bump at that point.
Message 61 of 66
Valued Member

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

OK, so credit karma updated this morning for me. It shows that portfolio has been removed off both reports. I’m going to wait about a week and recheck Myfico because there are notoriously slow to update for me. So, in all it took about six weeks for to be totally removed. Hope that helps somebody. I also use an EX app to track stuff and i get an update with that one I’m 6 days, so I’ll double check over there as well.
Message 62 of 66
New Contributor

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

Never been so happy to write a check to a collector. Called for first time today, negotiated a 12,100k account down to $5,700. So excited to get this behind me!

Message 63 of 66
Established Contributor

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

I’m just glad they don’t do that the debt will be deleted after 2 years like some other debt collectors. *cough cough* midland and ad astra.






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


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Message 64 of 66
Contributor

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

Two of my PRA’s updated on my Experian today as settled for less. My FICO score dropped 14 points. I really hope I get these points back when the tradelines are deleted... but I am not optimistic because of the student loan issue I’ve posted about. It’s discouraging to see the score drop, but hopefully it’s only temporary!
FICO Scores
5/20/2019: EQ - 568 TU - 591 EX: 589
Message 65 of 66
Established Member

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

Hey did PRA eventually delete them off your credit report?
Message 66 of 66