If National Credit Audit Corporation is listed on your credit report, there’s a good chance it’s dragging down your credit score. Here’s what you need to know about this debt collection agency—and how to deal with them.
Who Is National Credit Audit Corporation?
National Credit Audit Corporation (NCAC) is a debt collection agency based in Dallas, Texas. They collect unpaid debts, mainly for the real estate industry. If you’ve fallen behind on rent or owe money to a property management company, they might be the ones trying to collect.
Seeing their name on your credit report means they’ve reported a collection account, which can hurt your credit score for up to seven years if left unchecked.
Who Does National Credit Audit Corporation Collect For?
NCAC focuses on debt collection for apartment complexes, landlords, and property management companies. They work to recover unpaid rent, fees, or other housing-related debts on behalf of these businesses.
Is National Credit Audit Corporation Legitimate?
Yes, National Credit Audit Corporation is a legitimate debt collection company. That doesn’t mean every debt they report is accurate, though. Mistakes happen, and incorrect or outdated information can show up on your credit report.
Always verify any debt before paying or acknowledging it. You have the right to request proof that the debt is yours and that the amount is correct.
How to Remove National Credit Audit Corporation From Your Credit Report
Collections accounts can damage your credit score for years, so it’s worth trying to get them removed. Here are your options:
- Dispute Errors: If the account is inaccurate or outdated, file a dispute with the credit bureaus. They’re required to investigate and correct any mistakes.
- Request a Pay-for-Delete: Some collection agencies agree to remove the account if you pay, but get this in writing before sending any money.
- Work With a Credit Repair Company: Professionals can challenge collections on your behalf and help clean up your credit report.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay National Credit Audit Corporation?
Before reaching out, make sure the debt is legitimate and still within the statute of limitations. Keep in mind that making a payment, even a small one, could restart the clock on how long the debt stays on your credit report.
Many people choose to work with credit repair experts who understand how to handle companies like NCAC. They help dispute inaccurate items and negotiate removals.
Will National Credit Audit Corporation Sue You?
It’s possible. Debt collectors like NCAC have the legal right to sue for unpaid debts. If they win in court, they could garnish your wages or take other actions, depending on your state’s laws.
That said, most collection agencies prefer to settle debts without going to court. Lawsuits are time-consuming and expensive, so they’re usually a last resort.
Common Complaints About National Credit Audit Corporation
Like many collection agencies, NCAC has complaints with the Consumer Financial Protection Bureau and the Better Business Bureau. Most complaints involve:
- Incorrect debt reporting
- Harassment or aggressive tactics
- Failing to verify debts when asked
If you’re experiencing harassment or your rights are being violated, you can file a complaint with these agencies.
Know Your Rights When Dealing With NCAC
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what the law says:
- They cannot report false or incomplete information about you.
- You can request debt validation within 30 days. They must prove the debt is yours and the amount is correct.
- Harassment, threats, repeated calls, and abusive language are prohibited.
- They must be upfront about who they are and that they’re trying to collect a debt.
- They cannot threaten arrest or jail for unpaid debts.
National Credit Audit Corporation Contact Information
- Address: 12770 Coit Rd, Dallas, TX 75251
- Mailing Address: P.O. Box 515489, Dallas, TX 75251
- Phone Number: (800) 779-4894
Remove National Credit Audit Corporation From Your Credit Report Today
Dealing with collections can be stressful, but you don’t have to face it alone. Credit Saint has been helping people challenge inaccurate negative items for over 15 years. They even offer a 90-day money-back guarantee, so you can get started with confidence.
Ready to take control of your credit? Visit their website or call (855) 281-1510 to see how they can help.
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.
