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Every state has its own laws regarding statutes of limitations, and those statutes of limitations can vary based on the type of account you have.

Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report. PRA is required to delete the reporting of its tradeline seven years after the original date of delinquency, regardless of paid status.

Yes. Every payment you make is another step forward on your path to debt recovery. There are no hidden fees or charges, and we will not charge any interest on unsecured accounts (such as credit cards and personal loans), so every payment you make will reduce the balance that you owe.

Under the Fair Credit Reporting Act - the federal law that governs credit reporting - PRA is required to delete the reporting of its tradeline seven years after the original date of delinquency, regardless of paid status.

No. We have payment options that start as low as $5, and if something happens that interferes with your ability to continue with a payment plan, then we can help you adjust it and still keep you on track toward being debt-free.