If First National Collection Bureau (FNCB) appears on your credit report, it likely means a past-due account was sent to collections. Collections can damage your credit score, but there are ways to address the account—and possibly have it removed.
Who Is First National Collection Bureau?
First National Collection Bureau is a debt collection agency based in Reno, Nevada. They are hired by businesses to recover unpaid debts from consumers.
If you see FNCB listed on your credit report, it typically means an account you owed—such as a loan, credit card, or other financial obligation—was placed with them for collection.
Who Does FNCB Collect For?
FNCB works with companies in several industries, including:
- Credit card issuers and retail credit accounts
- Auto lenders and finance companies
- Telecommunications providers
- Companies that hold court-ordered judgments
- Other businesses with delinquent consumer accounts
Unpaid balances from these types of companies may eventually be reported by FNCB as a collection account.
Is First National Collection Bureau Legitimate?
Yes, FNCB is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. That said, errors are common in the collections process, so always verify the debt is valid before making payments or agreements.
How to Remove First National Collection Bureau From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to get FNCB removed:
- Dispute Inaccuracies: Review your credit reports for incorrect details like wrong balances, dates, or account status. If you find errors, dispute them with the credit bureaus.
- Request Debt Validation: You can ask FNCB to prove the debt is yours. Send a written request for debt validation. If they cannot provide documentation, they must stop collection efforts and the account should be removed.
- Negotiate a Pay-for-Delete: Some collection agencies agree to remove accounts if you settle the debt. Always get the terms in writing before sending payment.
- Work With a Credit Repair Professional: Many people choose to hire credit repair experts to handle disputes and negotiations. These professionals deal with companies like FNCB regularly and can help improve your credit report.
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Should You Contact or Pay FNCB?
Before contacting FNCB or paying anything, confirm the debt is accurate and still within your state’s legal collection period. In some cases, paying old debts can reset the collection timeline.
If the debt is valid and collectible, negotiating a settlement or pay-for-delete agreement might help resolve the account and improve your credit.
Can First National Collection Bureau Sue You or Garnish Your Wages?
FNCB has the legal right to sue for unpaid debts. If they take legal action and win a judgment, they may be able to:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property
These actions depend on state laws and are usually a last resort. Most collectors prefer to work out a payment plan or settlement before pursuing legal action.
First National Collection Bureau Contact Information
- Address:
First National Collection Bureau, Inc.
50 W Liberty St, Suite 250
Reno, NV 89501 - Phone:
(800) 824-6191
Common Complaints About FNCB
FNCB has received complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB), similar to many collection agencies. Common complaints include:
- Incorrect information on credit reports
- Harassment or excessive phone calls
- Failure to verify debts upon request
If you experience these issues, you can file a complaint with:
- CFPB: consumerfinance.gov or call (855) 411-2372
- BBB: bbb.org
Your Rights When Dealing With First National Collection Bureau
Debt collectors, including FNCB, must follow federal and state laws. The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights:
- You can dispute inaccurate or incomplete information
- You can request written proof that the debt is valid
- Harassment, threats, or abusive behavior are illegal
- Collectors must clearly identify themselves and their purpose
- You cannot be threatened with arrest or jail for unpaid debts
If FNCB violates these laws, report them to the appropriate authorities.
Remove FNCB Collections From Your Credit Report Today
If First National Collection Bureau is damaging your credit, you don’t have to handle it alone. Credit Saint has helped thousands of people successfully challenge negative marks from collection agencies like FNCB.
They stand behind their services with a 90-day satisfaction guarantee, giving you confidence to take action.
Want help improving your credit? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.