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Who is Portfolio Recovery Associate (PRA)?
Portfolio Recovery Associate (PRA) has been recognized as a leader in the debt buying and collection industry. They're based in Norfolk, Virginia.
The company specializes in purchasing delinquent accounts from various types of creditors, such as credit card companies, banks, and healthcare providers, and then attempts to recover the outstanding balances from the debtors.
Need Help Removing Portfolio Recovery Associate (PRA) From Your Report?
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Getting Collections Letters or Calls from PRA?
Knowing your rights when dealing with debt collectors like Portfolio Recovery Associate (PRA) is important. The first step is to do your own research and order your credit reports from the three credit reporting bureaus. Look for any derogatory collection reports and confirm if PRA is reporting a past due debt on you. If you need assistance ordering or understanding your credit reports, consider working with a credit repair company. They can help simplify and expedite the process, and ensure that your rights are protected. To remove PRA from your report, you can dispute the debt with the credit reporting agencies and provide evidence that the debt is invalid or has been paid off.
Dispute The Debts
If you've received a collection notice from PRA, it's important to act quickly. While you have 30 days to dispute the debt. First, request a copy of your credit report from one of the major credit bureaus. Review the report to ensure that the information is accurate and up-to-date. If you find an error, such as a debt that has been paid off but is still listed as outstanding, you can dispute it with the credit bureau. You can also contact PRA directly to negotiate a payment plan or settlement in exchange for removing the negative mark from your credit report. It's important to act quickly and take steps to improve your credit score, as a negative mark can stay on your report for up to seven years. it's best to seek advice from a professional right away. Our team can help you navigate the process and ensure that your dispute is submitted within the required timeframe. Credit Repair King can help you validate the debt by our debt validation letter.