1. Pay for Deletion:
Contact Portfolio Recovery at Phone: (800) 772-1413, Fax: (757) 321-2519, or via Mail: 120 Corporate Blvd, Norfolk, VA 23502 and ask about a pay-for-delete agreement. If the agency agrees, get the agreement in writing. Then, pay the debt and follow up to ensure the collection is removed. Under the Fair Credit Reporting Act (FCRA), you're entitled to dispute inaccurate or unverifiable information, and a pay-for-delete agreement can expedite this process.

2. Request a Goodwill Deletion:
If you've already paid the account in full, you can ask Portfolio Recovery or the original lender for a goodwill deletion. In your letter, explain that the debt has been paid and request that the negative item be removed. While not guaranteed, the FCRA allows you to ask for corrections or deletions, especially when the information no longer accurately reflects your current financial situation.

3. Hire a Credit Repair Company:
Credit repair companies can help remove negative information from your credit report by disputing errors and negotiating with creditors, but it can be expensive. However, leveraging professional expertise can ensure that your rights under the FCRA are fully exercised and that you achieve the best possible outcome.

​Miami Credit Repair can help you remove a Portfolio Recovery collection from your credit report. Our expertise ensures that your disputes are handled efficiently and effectively, with a focus on your legal rights. Visit us at www.miamicreditrepair.site for more information and to get started on improving your credit today.