If you’ve seen National Business Factors on your credit report, you’re likely dealing with a collection account. A collection can damage your credit score for up to seven years, but there are ways to handle it—and even get it removed.
Who Is National Business Factors?
National Business Factors, Inc., also known as The NBF Group, Inc., is a third-party debt collection agency based in Carson City, Nevada. They collect unpaid debts for businesses and often report those debts to the credit bureaus.
If you notice “ntl bus fctr” or National Business Factors listed on your credit report, it means an unpaid debt was sent to them for collection.
Who Does National Business Factors Collect For?
National Business Factors collects debts for businesses in industries like:
- Hospitals and medical groups
- Doctor’s offices and clinics
- Urgent care centers
- Ambulance services
- Supermarket chains
- Retailers
If you’ve fallen behind on payments in any of these areas, the original creditor may have sent your account to National Business Factors.
Is National Business Factors Legitimate?
Yes, National Business Factors is a real debt collection agency. They are legally authorized to collect debts for their clients. However, you should always confirm that any debt they claim you owe is valid before making a payment.
How to Remove National Business Factors From Your Credit Report
A collection account can lower your credit score, so addressing it quickly is important. Here are some common ways to get it removed:
- Dispute inaccuracies: If there are errors with the account—such as the balance, dates, or ownership—you can dispute it with the credit bureaus. They are required to investigate and correct any inaccurate information.
- Request debt validation: You have the right to ask National Business Factors to prove the debt is yours and the amount is accurate. If they can’t validate the debt, they must stop collection efforts and remove it from your credit report.
- Negotiate a pay-for-delete: In some cases, you can offer a payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals can help challenge negative items like collections and may improve your chances of removal.
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Should You Contact or Pay National Business Factors?
Before contacting or paying any collection agency, make sure the debt is accurate and still valid. Credit reports can contain incorrect or outdated information. Also, making a payment can restart the statute of limitations, which could extend the time they can pursue legal action.
If you’re not sure how to handle the situation, working with a trusted credit repair company can help you protect your credit and handle the process more effectively.
Can National Business Factors Sue You or Garnish Your Wages?
Debt collectors like National Business Factors can sue you for unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Withdraw funds from your bank account
- Place a lien on your property (depending on your state laws)
That said, lawsuits are typically a last resort for most collection agencies due to the costs involved. They often prefer to settle debts without legal action.
National Business Factors Complaints
Many debt collectors have complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting to credit bureaus
- Harassment or repeated phone calls
- Failure to properly validate debts
If you believe your rights are being violated, you can file a complaint with the CFPB or your state’s attorney general.
Your Rights When Dealing With National Business Factors
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors like National Business Factors.
They are not allowed to:
- Report false or incomplete information about you
- Harass, threaten, or use abusive language
- Call excessively or outside of reasonable hours
- Misrepresent who they are or their intentions
- Threaten arrest or jail for unpaid debts
You have the right to:
- Request written debt validation within 30 days of first contact
- Dispute inaccurate information on your credit report
- Be treated fairly and respectfully
Knowing your rights helps you manage the situation with confidence.
National Business Factors Contact Information
Here’s how to reach them if you decide to communicate:
National Business Factors, Inc.
969 Mica Dr.
Carson City, NV 89705
Phone: (800) 845-5392
Keep detailed records of any communication with debt collectors, and avoid making verbal agreements without written confirmation.
Remove National Business Factors From Your Credit Report Today
If dealing with collections feels overwhelming, a credit repair service can help. Credit Saint has over 15 years of experience helping clients challenge inaccurate collections, errors, and other negative marks on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Getting expert help can make the process easier and help you work toward a better credit score.
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.
