After going to Experian, and other services, I disputed any and all charges that Portfolio Recovery Associates were attempting to collect on. Apparently, no one there bothered to check with these services, as the charge was deleted from my credit report. My contention, in a nutshell, was that I paid down the debt, before closing the account, and when I went to close it, there was a substantial charge to my account. Since I have disputed the claim on my credit report, I've received a letter telling me that they are going to sue me. I think that is crap, and even illegal. read full review »