Is National Credit Adjusters Hurting Your Credit?

Seeing National Credit Adjusters on your credit report? This usually means a past-due account has been sent to collections—and it could be hurting your credit score.

Here’s what to know about National Credit Adjusters and how to get them off your credit report.

Who Is National Credit Adjusters?

National Credit Adjusters, LLC (NCA) is a debt collection agency based in Hutchinson, Kansas. They’ve been in business since 2001 and focus on recovering unpaid consumer debts.

If NCA appears on your credit report, it typically means they’ve either purchased the debt or are collecting it on behalf of another company.

Who Does National Credit Adjusters Collect For?

NCA works with lenders and financial companies to collect:

• Auto loan debt
• Personal loans
• Credit card balances
• Other consumer debts

If you’ve fallen behind on payments for any of these, there’s a chance NCA will show up on your credit report trying to collect.

Is National Credit Adjusters Legitimate?

Yes, National Credit Adjusters is a real debt collection company. But that doesn’t mean you should assume the debt they’re collecting is accurate.

Always request proof before making any payments. You have the right to verify the details of the account.

How to Remove National Credit Adjusters From Your Credit Report

Collections accounts can stay on your credit report for up to seven years—but that doesn’t mean you’re stuck with them. Here’s how to potentially remove NCA from your report:

• Dispute inaccuracies: If the account is incorrect or doesn’t belong to you, file a dispute with the credit bureaus.
• Request debt validation: You can ask NCA to prove the debt is yours and that the amount is correct. They must provide documentation.
• Negotiate a pay-for-delete: In some cases, you can offer to settle the debt in exchange for having the account removed from your credit report.
• Work with a credit repair service: Professionals can help challenge negative items and guide you through the process.

Should You Contact or Pay National Credit Adjusters?

Before contacting a collection agency, verify the debt and check your credit reports for errors. Keep in mind:

• Speaking with them by phone may not be your best option.
• Making a payment can reset the clock on how long the account affects your credit.

If you’re unsure how to handle it, working with a reputable credit repair company can help protect your credit score.

Can National Credit Adjusters Sue You or Garnish Your Wages?

NCA has the legal right to sue you for unpaid debts. If they take you to court and win, they could:

• Garnish your wages
• Levy your bank account
• Place liens on your property

However, wage garnishment laws vary by state, and not all types of income can be garnished. Laws also protect you from unfair or misleading collection tactics.

National Credit Adjusters Contact Information

Address:
National Credit Adjusters, LLC
327 W 4th Ave
Hutchinson, KS 67501

Phone:
(888) 768-0674

National Credit Adjusters Complaints

Like many collection agencies, NCA has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Incorrect reporting
• Harassing phone calls
• Failure to provide proof of the debt

If you experience any of these, you can file a formal complaint.

Your Rights When Dealing With National Credit Adjusters

You have legal protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), including:

• The right to request written proof of the debt
• Protection from harassment or abusive language
• The right to dispute incorrect information on your credit report
• Prohibition of threats like arrest or jail for unpaid debts

NCA must clearly disclose that they are a debt collection agency when they contact you.

Remove National Credit Adjusters From Your Credit Report Today

If you want help disputing collections and improving your credit, Credit Saint can assist. They’ve helped thousands of people challenge negative items like National Credit Adjusters—and they even offer a 90-day money-back guarantee for peace of mind.

Call (855) 281-1510 or visit their website to get started.