800-772-1413 Called You?

Who Is 800-772-1413 ?

800-772-1413 belongs to Portfolio Recovery Associates. They’re a debt collector reporting a collection account on your credit report.

This can mean 2 things:

 
1. They’ve purchased your debt from the original creditor (such as a credit card company), and they’re now calling you to collect that debt.
 
2. They don’t own the debt themselves, but are being paid to collect on behalf of another company.

The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).

How Can I Get 800-772-1413 to Stop Calling Me?

There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.

Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.

The best news? We’ve helped thousands of customers remove Portfolio Recovery Associates from their credit reports (without having to pay their debt). When Portfolio Recovery Associates is removed from your report:

 
• They will stop calling you
 
• Your credit score will increase

Dealing with Debt from 800-772-1413

When you owe a debt to 800-772-1413, it's important to be aware of your rights and available alternatives. As soon as you can, verify that the debt is valid and accurate. Once confirmed, negotiate a suitable payment plan or settlement with the collection agency – get any agreed terms in writing and keep records of all communication between you.

If you're uncertain about meeting your financial obligations, don't hide from the collection agency. Be open about your financial situation and ask for assistance; they may provide an option that works within your budget.

Correcting Inaccurate Information on Your Credit Report from Portfolio Recovery Associates

If Portfolio Recovery Associates is reporting inaccurate information on your credit report, you must take steps to correct it. Begin by ordering a copy of your credit report from all three credit bureaus and studying it carefully. If any errors or inaccuracies are found, dispute the information with the relevant bureau.

Be specific in what information is wrong, providing evidence where needed. The credit bureau has 30 days to investigate and respond to your complaint. If the accusation is valid, they will remove the false details from your record.

It's essential that you review your credit report consistently; doing so can help improve your score by correcting any mistakes and increase the chances of being approved for financing or credits in future.