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How To Remove Portfolio Recovery From Your Credit Report

If you’re reading this article, you may have recently been contacted by a company called Portfolio Recovery Associates.

Portfolio Recovery is a collection agency that specializes in purchasing old debts from companies who have been unable to collect the debt themselves.

How Portfolio Recovery Associates Works

Generally, Portfolio Recovery will buy large numbers of old debts from companies that have “charged off” the accounts.

In other words, when the original creditor has been unsuccessful in collecting on a debt, they will write it off. This is called a charge off.

However, they can legally sell that debt to a third-party collection agency. This is where Portfolio Recovery comes into play.

Portfolio Recovery will purchase the debt at pennies on the dollar with the gamble that in most cases they’ll be able to collect more from the person who owes the debt than what they purchased it for. This is how they make a profit.

How To Deal With Portfolio Recovery

You may have received either a letter in the mail or a call from Portfolio Recovery. If they call you on the phone, I recommend telling them that you know your rights under the Fair Debt Collection Practices Act, and that all future communication should be done via mail.

One of the biggest mistakes I see people make is that they deal with collection agencies over the phone and end up getting in a situation where the collection agency agrees to something, but since it’s not in writing, they don’t really have to follow through on it.

With this in mind, keep it simple and do all your business with Portfolio Recovery by mailed letters. This way you have records of all communications in case you need it in the future or they attempt to sue you.

If you are feeling overwhelmed by trying to deal with collection agencies on your own, we recommend seeking help from Sky Blue Credit Repair.

Ask Sky Blue for Help

How Can I Remove Portfolio Recovery Associates From My Credit Report?

Now that we’ve gone through how to deal with these people, here are the 3 most effective ways to remove Portfolio Recovery Associates from your credit report.

  1. Make Them Prove The Debt Is Yours
  2. Negotiate a “Pay for Delete” & Offer To Pay Them To Remove The Collection
  3. Have A Professional Remove The Portfolio Recovery Collection

1. Make Them Prove the Debt is Yours

The easiest way to remove a collection from your credit report is to make Portfolio Recovery prove that the debt is yours.

Under the Fair Debt Collection Practices Act, you have the right to request that a company attempting to collect on a debt validate that the debt is indeed yours.

The good news is that since you’re not dealing with the original creditor, but rather Portfolio Recovery who bought the debt, it’s more likely that they will be unable to validate the debt. This is because the information they have about the debt might not be accurate or complete.

The downside is that you only have 30 days from the first time they contacted you to demand that they validate the debt. If it’s been beyond 30 days, it will be more difficult to use this method.

You should use my sample debt validation letter and send it to them as quickly as possible. If they are unable to validate the debt, they’ll have to stop attempting to collect on the debt and remove it from your credit report.

2. Offer to Pay Them to Remove the Collection

When you’re unsuccessful with the debt validation method, or it’s been over 30 days, your next option is to offer to pay the debt in order to remove the collection from your credit report.

You don’t always need to offer to pay in full. In fact, since Portfolio Recovery likely purchased the debt for much less than what they are attempting to collect, it’s very likely that you will be able to negotiate with them. I would start at 50% of what they are asking and go from there.

Again, when using this technique make you get everything in writing and never do this over the phone. Also, never give them access to your bank account.

When you have both agreed on an amount, write them a check. You’ll want to follow up in 30 days to make sure that they have removed the collection from your credit report. If they haven’t, write them another letter demanding that they fulfill the agreement.

3. Have a Professional Remove the Portfolio Recovery Collection

Sometimes, you are just over the hassle of it all and would prefer to leave it in the hands of a professional. If you’re the type of person, I suggest you check out Sky Blue Credit Repair.

They’ll take care of you, and to be honest, they typically get stuff removed from your credit report a lot quicker. Check out their website.


  1. Portfolio was contacted by my State Attorney General telling them to back off from me and also remove all the accounts from my credit report. It was removed from my credit report but I am now getting notices of garnishment for my taxes. I am totally disabled which they were notified four years ago and continued to weekly if not more frequent contacts including mentioning a name that is loosely connected with mine. Can they legitimately continue sending me these garnishment notices from the court?

    1. Unless they are a government agency, which they are NOT, they cannot touch your disability check or garnish your income tax return!

  2. Portfolio
    They are trying to collect a debt that is over 10 years old which is the status of limitations in Indiana. It has been removed from my credit report but they continue to call me and my family members trying to scare them. I guess it’s time for some legal action.

    1. They can still attempt to collect a debt after the statute of limitations, they just cannot take legal action upon you once limitations have passed.

  3. I found these guys have me in collections on my credit report. I’ve never received a letter or phone call from them, because this debt is not mine. They bought it from Capital One and I have no accounts with Capital One. I have disputed it but haven’t heard anything back from them or Credit Karma. Not sure what to do.

  4. I had a debt with a company that portfolio recovery picked up. I have paid the debt 3 years ago, but it’s still on my credit report! It says I owe nothing, but it is still affecting my credit. How can I get this off my credit report?

      1. Do not call them to get name removed. They use your calling as an excuse to start the whole case from the beginning. Even after a judge removed my case, they still won’t. They harrass, and anyone who would work for their company is evil.

  5. I have contacted portfolio Recovery Associates and they told me this can’t be removed although I have paid it off

    1. Contact the credit reporting agencies not Portfolio Recovery. Just dispute it and if PR can’t prove it’s a valid debt the credit agency will remove it.

  6. Prior to paying any debt with a collection company tell them what you want to pay and once it is paid you want them to remove it from your credit report. Have an agreement in writing always. Never do business over the phone. They record everything, and will use it against you in court. Lastly, know your Statue of Limitation for the debt owed in which state you live in. After a certain number of years, they are not allowed to contact you. If they do, and you answer you will renew the process on your own free will.

  7. Update for 2018: PRA Group is refusing to remove the debt from credit reports. They refused to show my statements of the bill they claimed I owed. I had to complain to BBB, CFPB, Attorney general of California and FTC. But they won’t remove it. Some attorneys won’t deal with their legal cases. I wonder why? Monopoly in the debt collection agencies has made Portfolio Recovery Associates a giant hard to fight!

  8. Portfolio Recovery Ass. Accepted and took money from me from a pre-paid account, as payment to a dept. PRA accepted last payment, deducted 29 dollars from my pre-paid account! Mailed me my correct statement then completely disregaurded it like it never happend. Now im not paying them zero more dollars. Portfolio Recovery Associates is a SCAM!

  9. I have never talked or received anything from these people and now they have served me papers suing me. What should I do now? Any comments?

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