While I guess it is entirely possible that Comenity has reacquired the debt back from Portfolio Recovery I would find that hard to believe.
By the time PRA acquires a debt it has already been charged off by the original creditor and it is my understanding such debts are purchased in bulk portfolios of bad debt from OC by PRA for pennies on the dollar.
I think it is more likely that your past history with Comenity for this account has not been flushed from their systems and giving them your SSN allowed your history to be seen by the CSR.
The fact that the CSR in turn attempted to acquire a payment from you is baffling however.
If it is your intention to never pay the debt, radio silence would be the answer.
If you are considering settling it, you could contact PRA to confirm if in fact they still own it.
That would be my suggestion.
@Anonymous wrote:Question if I may ask just seeing how your scores are so good, how did you personally deal with any charge offs/collections if any? Pay for delete? Let them fall off..?
My baddies were (3) Charge Offs from Capital One, (2) of which were still held by Capital One and (1) account that had been sold off to PRA.
The Cap1 account held by PRA I was able to settle for 50 percent of the balance on record and they removed per their stated policy.
The accounts still held by Cap1...
1. Cap1 CO from 2013 used Moss Law (I'm in Texas) and sued back in 2014 and won a default judgement against me. I settled again for 50 percent which now has 0 balance and is reported as "Paid, Settled for Less" and will reach its 7 years fall off date later this year.
2. Cap1 never pursued this account which also charged off in 2013. When I contacted them in early 2019 they indicated they were no longer pursuing payment for the account and their was no way for them to accept a payment from me. I countered that if Cap1 will not allow me to make a payment then it would seem inappropriate to continue to report the deliquency. I did not expect it to be so simple but within 30 days the account was deleted.
I had couple of other active CC accounts held high balances to the total CL for each. I just threw money at them and paid them off along with the CO accounts mentioned above.
With all the above cleared up my scores had climbed from where they started to 670s by August 2019.
I then opened accounts with NFCU and took out an SSL loan to give me an installment as I have no active mortgage, auto, or other installment. This I immediately paid down to < 8.9 percent and gives me a 5 year installment with no payment due till 2024 and boosted me to 690s by November.
I picked up an AMEX BCP and a NFCU Cash Rewards CC during the same time frame.
My scores bump +5 or so every month now bringing me to where I am today.
I figure by August-September when the last CO falls off I should be to my 2020 goal of 740+
@Anonymous wrote:Thank-you so much for sharing. It really helps me to know because I'm just starting out over the past year to fix my credit.
You are most welcome.
The membership represented here in the myFICO community is a wonderful resource for guidance and support to accomplishing your goals.
You've taken the first step in making a conscious effort to repair and begin the recovery process.
Some things just take time to age, it takes time for items settled to clear off and be reflected in your CRA profiles, so patience can sometimes be the most difficult part of the process.
Onward!
I also want to add on that if you don't have any intention to pay the debt you could let it naturally fall of your credit report after 7 years. If you do intend to pay the debt, Portfolio does pay for delete as long as the debt is 2 years old, which in this case it is. It really depends on what your intentions are and if you have the means to pay of the debt. I hope this helps! 