Portfolio Recovery Associates, Inc.

Contact Info:

120 Corporate Blvd Ste 1
Norfolk, VA 23502

Corporate Offices
Tel: (757) 519-9300

Email: customer.assistance@portfoliorecovery.com

Website URL: www.portfoliorecovery.com/

BBB Accredited: December 1996
BBB Rating: A+
BBB Report: Click here

Post complaints here: Portfolio Recovery Complaints

You can remove any unfair collection by disputing it with the credit bureau where it is listed.

In 1970, Congress passed the Fair Credit Reporting Act that allowed consumers to challenge items on their credit reports they felt were innacurate, misleading, biased, or just unverifiable.

When a dispute letter is sent to the bureaus, it is put through their review process. If the bureaus open an investigation with the creditors, the creditors have 30 days to send proof that the item is accurate and worthy of being on the credit report of the consumer. If they cannot (or will not) provide incontestable proof, then the bureaus are obligated to remove the item.

A "deletion letter" is what you want to get in the mail:

Most consumers who dispute on their own play a guessing game that the bureaus eventually win.

Unfortunately, a great number of dispute letter requests are deemed "frivolous" - which means the bureau will not open up an investigation with the creditor, and a stall letter is sent back to the consumer.

What are my chances of removing NCO listing from my credit report if I dispute it myself?

There are no real good studies to give accurate numbers of what the results are for people disputing their own credit. It's a guessing game. One statistic to keep in mind is provide by Lexington Law: Over 40% of the people who sign up with Lexington's services have tried to to repair their credit on their own and have turned to the trusted leaders in credit report repair for help.

Screenshot from Lexington's 2009 Q4 results Imagine your NCO listing here.

Lexington Law clients have removed more Portfolio Recovery credit report listings than anyone.

Since 1991, Lexington hasbeen perfecting the practice of challenging unfair listings with the bureaus and creditors. They've removed millions of negative items and can now put all that expertise into helping you restore your credit.

Do you know how many total collections Lexington Law removed last year? Click here to see >

What are your chances of removal success?