Who is National Credit Adjusters?
National Credit Adjusters, LLC (NCA) is a debt collection agency located in Hutchinson, Kansas. NCA has been purchasing and servicing delinquent debt since 2001.
You may see National Credit Adjusters listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does National Credit Adjusters collect for?
National Credit Adjusters specializes in collecting consumer loans and debt for a variety of entities. Auto loan lenders, credit card companies, and other financial firms depend on NCA to handle non-performing accounts. Therefore, if you’ve taken any consumer loans or auto loans and failed to pay, they might be calling.
Is National Credit Adjusters legit or a scam?
Despite the discomfort caused by their relentless calls or emails, rest assured that National Credit Adjusters is a legitimate company, not a scam. They are established in the industry and have long-term relationships with many financial institutions.
How can I remove National Credit Adjusters from my credit report?
NCA 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.)
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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.
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National Credit Adjusters (NCA) Contact Information
National Credit Adjusters, LLC
327 W 4th Ave
Hutchinson, KS 67501
Phone number: (888) 768-0674
Should I pay or contact National Credit Adjusters?
While it’s tempting to clear your debt immediately, it’s essential to tread carefully. Speaking with a debt collector over the phone might not be the best idea, and making payments on the debt could reset the clock, potentially harming your credit.
Engaging a credit repair professional can be an effective way to handle these situations. They can help remove millions of negative items every year from companies like National Credit Adjusters.
Will National Credit Adjusters sue me or garnish my wages?
Yes, they may resort to litigation to collect a debt, but don’t let this intimidate you. Credit repair professionals can assist you in disputing the debt with credit bureaus and possibly get it removed from your credit report.
Be aware that not all states allow wage garnishment. It’s illegal for a debt collector to threaten to garnish your wages if you’re in a state that disallows it.
Understanding How National Credit Adjusters Impact Your Credit Score
Any derogatory item on your credit report, including a collections account, can harm your credit score. Collection agencies often buy and sell debt from one another, leading to multiple collections on your credit report for the same account.
National Credit Adjusters, LLC Complaints
Most debt 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 National Credit Adjusters, 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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights in Dealing with National Credit Adjusters
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) grant you many consumer rights. These include the right to dispute credit reporting errors and to be treated fairly by debt collectors.
National Credit Adjusters must be truthful about their identity and their intentions. They’re required by law to inform you, both orally and in writing, that they are a debt collection company. Additionally, they can’t threaten you with imprisonment over unpaid debts or harass you through repeated calls or offensive language.
Remove National Credit Adjusters From Your Credit Report Today!
Credit Saint can assist you in disputing National Credit Adjusters 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 collection agencies and want to improve your credit, consider working with a trusted credit repair company.
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