How to Remove First National Collection Bureau From Your Credit Report

Is First National Collection Bureau hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable negative information from their credit reports.

Who is First National Collection Bureau?

First National Collection Bureau, Inc. (FNCB) is a debt collection agency located in Reno, Nevada.

You may see First National Collection Bureau listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does First National Collection Bureau collect for?

First National Collection Bureau collects the following types of debt:

  • auto loans
  • credit cards
  • judgments
  • retail cards
  • telecommunications
  • and any other type of past-due account

Is First National Collection Bureau legit or a scam?

First National Collection Bureau is a legitimate debt collection company. However, they may repeatedly spam call, text, or email you.

How can I remove First National Collection Bureau from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Lexington Law Firm is a credit repair company that helps people fix their credit.

In addition to collections, Lexington Law helps you challenge (and possibly remove) other inaccurate information from your credit history. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Call Lexington Law now to learn more: (800) 220-0084

First National Collection Bureau, Inc. (FNCB) Contact Information

Address:

First National Collection Bureau, Inc.
50 W Liberty St. Ste 250
Reno, NV 89501

Phone number: (800) 824-6191

Should I contact or pay First National Collection Bureau, Inc.?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with First National Collection Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like FNCB on behalf of their clients.

And they may be able to help you too.

Will First National Collection Bureau, Inc. sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the First National Collection Bureau debt with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with First National Collection Bureau, Inc. again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit history that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for First National Collection Bureau, Inc. to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

First National Collection Bureau, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and First National Collection Bureau does too.

Your Rights When Dealing with First National Collection Bureau, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for First National Collection Bureau to report inaccurate or incomplete information on your credit report.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • First National Collection Bureau, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • First National Collection Bureau, Inc. must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • First National Collection Bureau, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove FNCB Collections From Your Credit Report Today!

Lexington Law can assist you in disputing First National Collection Bureau accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law Firm.

They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.