If that is a Savage action you're referring to, try taking the rear baffle off and see if it still drags. To do that, remove the bolt from the action, rotate the rear baffle while sliding away from the bolt handle until the ball detent drops into the cocking window. I have one action that the rear baffle drags on the rear tang.

Also try relaxing the action screws in the stock to see if something is causing a bind.