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Portfolio Recovery Associates

Portfolio Recovery Associates

Updated: 12/9/21
Ashley Astors
Verified Collections Expert
Portfolio Recovery Associates is likely damaging your credit score!
Give us a friendly, no-pressure call at 855-577-2276 for your FREE collections evaluation.
Find out if you're eligible to dispute (and potentially remove) Portfolio Recovery Associates from your report. Don't wait!
Call 855-577-2276
Call a friendly, live collections specialist, today!

Key Takeaways

You may not have to pay your debt.
Paying your debts may hurt & lower your credit score.
Portfolio Recovery Associates is likely on your credit report as a 'collections' account.
Speak with an expert to learn why Portfolio Recovery Associates is on your report.
Understand if we can help with your collection.
Get your free credit report (and latest score).
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What Is Portfolio Recovery Associates?

Portfolio Recovery Associates (Portfolio Recovery Associates Associates LLC) is a debt collection agency. They're probably on your credit report as a 'collections' account. This usually happens when you forget to pay a bill. If a collection is on your credit report, it's damaging your credit score (unless removed).

You might not have to pay your debts!

Paying your debts may hurt your credit (and lower your score).Give Credit Glory a call (and chat with a friendly credit repair expert).

We'll help navigate your Credit Report and understand if partnering w/ us to remove inaccurate, negative items (to boost your score) makes sense! Call us, now, to learn more: (855) 577-2276

Is Portfolio Recovery Associates Associates, LLC A Real Company, Or A Scam?

Portfolio Recovery Associates Associates is a real, legit company. Originally founded in March 1996 in Delaware and headquartered in St Louis, they are a large debt collector in the US according to the FTC. With over 5,000 employees, they generated over $800 million in revenue in 2017.

120 Corporate Boulevard
Norfolk, VA 23502

Should I Negotiate A Settlement Or Pay Portfolio Recovery Associates Associates?

Unfortunately, settling (in full or not) may not help your credit. Once a collection account is added to your credit report, your score will be damaged for seven years regardless of payment. Fortunately, you have options. Credit Glory has successfully disputed collections from Portfolio Recovery Associates and companies like them for thousands of clients nation-wide.

And we can help you too.

Will Portfolio Recovery Associates Bring A Lawsuit Against Me, Sue Me, Or Garnish My Wages?

No, not always. But if they do it’s not a good thing and can be a very scary experience. If you work with a professional like Credit Glory to challenge their debt, ensuring accuracy, timeliness, and validity, you may never have to deal with them ever again. Call to learn how we can help you avoid lawsuits and being sued altogether, while fixing your credit.

Portfolio Recovery Associates Complaints

They currently sit with a little over 11,000 complaints filed with the Consumer Financial Protection Bureau (or CFPB) and over 1,300 with the Better Business Bureau. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests.

This means working with a professional like Credit Glory to challenge your negative accounts has a good chance to get them deleted, improving your score and allowing you to qualify for the home, car, and credit cards you need.

Can You Remove Portfolio Recovery Associates Collection Accounts?

We specialize in disputing Portfolio Recovery Associates accounts and have removed them and companies like them for thousands of clients nation-wide. We can help you too.

What Portfolio Recovery Means On Your Credit Report

If Portfolio Recovery Associates shows up on your credit report, it's probably as a "collections" account. That means they're collecting on a debt you owe, which hurts your credit score.

What Settlement Percentage Offer Can I Expect From Portfolio Recovery LLC?

Often you can negotiate a settlement if you owe money to a debt collector. Portfolio Recovery Associates offers a range of 40 to  60 cents on the dollar for the amount owed.

How To Pay Portfolio Recovery Associates LLC

You can pay Portfolio Recovery Associates on their website or by phone. For phone payments call 1-800-772-1413. Optionally, you can also make a payment via their mobile app.

How To Settle Debt With Portfolio Recovery

With many debt collectors, you can negotiate a repayment plan to settle outstanding debts. Portfolio Recovery Associates offers settlement options on debt. Repayment options on settlements range from 40 to 60 cents on the dollar for what you owe.

Is Portfolio Recovery Associates Located In Norfolk VA?

Yes, they are. Portfolio Recovery Associates headquarters is located at 120 Corporate Boulevard, Norfolk, VA 23502.

What To Do If Portfolio Recovery Associates Brings A Lawsuit Against You

If Portfolio Recovery Associates brings a lawsuit against you, it's important to make sure the claim is accurate. You can request evidence that 1) you're the person responsible for the debt 2) PRA has the right to sue you and 3) you actually owe the amount they claim. If you do owe money, you may be able to negotiate a settlement for less than the original amount.

Why Disputing Portfolio Recovery Associates May Be Your Best Option

Disputing Portfolio Recovery Associates could be your best option if you don't actually owe the debt. It's also the best option if you have already paid the debt, but they still appear on your credit report. For help disputing PRA (& excellent customer service), consider partnering with Credit Glory, today!

Supercharge Your Future & Credit Score, Today!
Reclaim your financial freedom and speak with a live credit specialist for your free consultation, right now (we're here 24/7) 855 938-3044.

Remove Portfolio Recovery Associates From Your Report, Today!

In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It's so much less stress, hassle, and time to let professionals identify the reasons for your score drop.

If you're looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on (855) 577-2276 or setup a consultation with them. They also happen to have incredible customer service.

Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.

Supercharge Your Future & Credit Score, Today!

Reclaim your financial freedom and speak with a live credit specialist for your free consultation, right now (we're here 24/7) 855 938-3044.