Credit Repair King | Westminster "Better Credit, Better Life" What You Need to Know About Portfolio Recovery Associates. Portfolio Recovery Associates can be a headache for those trying to improve their credit score. Learn how to remove them from your credit report with this guide. Portfolio Recovery Associates (PRA) is a company that focuses on collecting unpaid debts. They purchase these debts from creditors at a discounted rate and then work to collect the money owed from the debtor. PRA may contact the debtor directly or use legal methods to collect the debt. Their services are often used by credit card companies, banks, and telecommunications providers. 1. Send PRA a dispute to validate the account. 2. Send the credit report agencies a letter to ask them to verify or investigate the list account. Wait for 30 days for their responses. PRA contact info below: Phone: 1-888-772-7326. Their customer service hours: Monday through Friday, 8:00 am to 10:00 pm Eastern Time Saturday, 8:00 am to 5:00 pm Eastern Time. Email: customerservice@portfoliorecovery.com. Mail: Portfolio Recovery Associates, LLC 120 Corporate Boulevard Norfolk, VA 23502 Online: You can visit PRA's website at http://www.portfoliorecovery.com and use the "Contact Us" form to send them a message.