My portfolio recovery associates story is was not entertaining at all. I lost my credit reputation because of them. But luckily I was able to bounce back!

Portfolio Recovery Associates is a 3^rdparty debt collection agency that is located in Norfolk, VA. Debt collection agencies have earned quite a disrepute for themselves. All thanks to their unending and un-abating tirade against their debtors. Well debt collection agencies have several techniques and tricks that they adopt according to the relevance of the debt account they are handling. If the debtor has changed his address and other contact details then the debt collection agencies use a method called the skip tracing method to gather the latest details.

This method is actually used by criminals to locate the witnesses who have testified against them. Once a citizen decides to testify against a criminal, he / she is relocated under the witness protection program. Now this is done to keep the identity and whereabouts of the witness under wraps.

But criminals use the skip tracing method to pinpoint the current address of the witness and hunt them down and kill them before they can testify in court against them.

So what does that tell you about the debt collection agencies? Does it ring a bell in your head that these debt collection agencies are emulating the criminals in an attempt to get the current details of the debtors?

Another technique used by the debt collection agencies is to cook up false debt accounts and then contact a person to pay up. Many debtors have repeatedly raised this point in consumer forums and consumer action websites. They say that debt collection agencies sometimes even sometimes call up and abuse and insult even when the person they are calling for is clearly some other person.

Debtors say that any attempt at clearing the misunderstanding is met by insults and threats. The debt collection agencies simply refuse to listen to what the person at the other end of the phone is trying to say. All they want is an answer saying yes to pay up quickly.

If you are thinking how I know all of this, here is my story. I am Jessie and it would be safe to say that I am the right person to be talking about these debt collection agencies. Just two years back I had a very bad experience with these debt collection agencies. I had nothing to do with them, but as fate would have it, I was forced to get involved with them.

I had a job and everything was going great. But the recession had struck quite hard and one fie morning I found out that I was suddenly out of work. But try saying that to your creditors. Only the pay checks stopped coming; the bills never did. All I could do was sit and worry whole day about paying off my credit card bills and the EMIs for the new car that I had bought recently.

The bank and the credit card companies did call me up and reminded me to pay the dues up soon. But then all of a sudden they stopped calling me. My inner instinct did warn me that it was the silence before the storm, but nothing happened. Then out of nowhere arrived the debt collection agencies. Now they began calling me 20 times in a day with each call no less than 4-5 minutes.

I was fed up of repeating the same thing again and again, but would they listen? They warned me to pay up the huge amount of money within just 3 months. But at that point of time, I was thinking that even if they would give me 3 years, I would not be able to pay up without having any income.

The debt collection agencies had the nerve to call me a thief and their executives tried all they could to rattle me up. I was very worried about the mess that I had got into and was even thinking of escaping away to some remote place without any phone or contact. But you really cannot wish the debt collection agencies away; they are quite tenacious.

I was not even aware of the huge mess that these debt collection agencies were creating behind my back. It was only after some time that I learnt that my credit scores were staggeringly low at 530. I just did not understand how the scores could fall so steeply. On enquiring further I understood that these debt collection agencies had systematically worked in tandem to destroy my credit worthiness. They not only sent in multiple negative collection accounts for the same debt against my account, but also sent in multiple credit report enquiries.

All these underhand techniques helped in bringing my credit scores down so rapidly. When my brother heard of this he advised me to get out of this mess as soon as possible. He warned me that such low credit scores could not only hamper my prospects of securing further credits / loans but also could prove to be an obstacle in getting a job.

That was when I sat up and listened to my brother for the first time in my life. According to his suggestion I contacted the Lexington Law Firm, which is a reputed credit repair firm in Salt Lake City, UT. They have expert attorneys who specialize in getting all sorts of negative entries removed from credit reports.

My Credit Jumped above 700, this was like winning the lotto, It was a crazy amazing feeling!

Even More Credit Deletions Thanks To Lexington Law!

Here are more bad credit deletions that were taken off my credit thanks to lexington law!

With over 2 decades of experience and practice, they boast of 98 % success rate in removal and have over half a million satisfied customers to prove this.

The attorneys raised a dispute with all the 3 credit bureaus and got all of my negative entries removed. Soon my scores were bouncing at 707. Any credit repair issues that you may have do not think twice. Call the Lexington Law Firm today at 1-800-251-3505 and get a quick solution.

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