Frequently asked questions

How will my credit report be impacted by having a debt with PRA Group? Where can I check my credit report?

By contacting any of the Credit Reference Agencies (CRAs), you can see find out how your credit report has been how your credit report has been impacted; you can also request a copy of your credit report. The CRAs are: Experian , Equifax, or Transunion; note: you may be charged a fee depending on the CRA you use. For a free monthly report, which is 30 days behind the main service, you can use: Credit Karma or ClearScore.

The information on my credit report is not correct. How can I get this updated?

Simply send a copy of your credit report, along with the reason you believe this may be wrong, to We will review, amend where applicable and advise on our findings within 10 working days from the date of your email.

Can I stop a CCJ appearing on my credit file?

If you pay the balance of the account within 30 days of receiving the judgment, yes. Otherwise, it will be entered on your credit record at the Register of Judgments, Orders and Fines, and will remain there for six years. For more information you can seek free debt advice:


I have completed my insolvency (e.g. bankruptcy, individual voluntary arrangement (IVA), debt relief order (DRO), trust deed, debt arrangement scheme (DAS)). How will this show on my credit report?

Once your insolvency has been completed and we have received confirmation of this, your credit report will be updated. This will show as a “Partial Settlement” and the entry will remain for six years from the default date.

You are now leaving the PRAGroup website.

You are going to a third-party website, legal instructional about use governed by website’s terms and conditions and subject to security policies.


Each year millions of people fall behind on their bills for many reasons - things don’t go as planned, and then debt happens…

When a person is unable to pay back a loan, credit card or another account, their creditor may sell that debt to a company like ours..

If your account was sold to us, we’re here to help make repayment easier.

We’ll send you a welcome letter that explains who we are and invites you to access your account online –

where you can view your account information and manage flexible payment options that allow you to create an affordable payment plan, make a payment or pay it all off.

We don’t add interest or fees, and we won’t sell your account.

And when your debt is cleared, we’ll happily send you a confirmation.

Because we understand debt happens.

We’re PRA Group.

We’re changing the way debt repayment works by treating our customers with the fairness and respect they deserve.

We’ve helped millions of people clear a debt - let’s work together to find your path to recovery.

Debt happens. So can recovery.