I don’t recognize this debt. Who is Portfolio Recovery Associates?

Modified on Tue, 18 Apr 2023 at 10:27 PM

Portfolio Recovery Associates (PRA) is a debt buyer – a company that buys charged-off debts from banks and other lenders. PRA is not a lender, which is why you may not recognize them. If a debt from PRA is appearing on your credit report, it’s usually because PRA bought a charged-off credit card or loan from your original lender and now owns that debt.

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