National Business Factors


Is National Business Factors hurting your credit score?

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Who is National Business Factors?

National Business Factors, Inc. aka The NBF Group, Inc. is a debt collection agency located in Carson City, Nevada. They collect on delinquent accounts and often report these collections to credit bureaus.

This means that if you have unpaid debts that have been transferred to them, you might find ‘ntl bus fctr’ appearing on your credit report, indicating a collections account

Who does National Business Factors collect for?

National Business Factors collects debt for companies in the following industries: hospitals, doctors, clinics, supermarket chains, retailers, medical groups and urgent care centers, and ambulance providers.

Is National Business Factors legit or a scam?

National Business Factors is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove National Business Factors from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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National Business Factors, Inc. Contact Information


National Business Factors
969 Mica Dr.
Carson City, NV 89705

Phone number: (800) 845-5392

Should I contact or pay National Business Factors?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Will National Business Factors sue me or garnish my wages?

Debt collection agencies like National Business Factors, Inc. have the ability to take legal action to recover the debts they are owed. This could involve suing the debtor in court. If they win the case, they may be granted a judgment that could allow them to garnish the debtor’s wages or bank accounts, or put a lien on their property. However, these actions are governed by both state and federal laws and there are many protections in place for consumers.

It’s worth noting that taking legal action is typically a last resort for most collection agencies due to the associated costs and time involved. They typically prefer to work out a repayment plan or settlement with the debtor.

National Business Factors, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with National Business Factors

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for National Business Factors to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • National Business Factors cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • National Business Factors must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • National Business Factors cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove National Business Factors From Your Credit Report Today!

Credit Saint can help you dispute National Business Factors collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.