National Business Factors


Is National Business Factors hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with National Business Factors

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • National Business Factors may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • National Business Factors 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.
  • National Business Factors cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove National Business Factors From Your Credit Report Today!

Credit Saint can assist you in disputing National Business Factors collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (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.