National Credit Audit Corporation


Is National Credit Audit Corporation 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 Credit Audit Corporation?

National Credit Audit Corporation (NCAC) is a debt collection agency based in Dallas, Texas. They assist businesses in collecting past due debts.

If you see NCAC listed on your credit report as a collections account, it typically means you have an outstanding debt that has not been paid.

Who does National Credit Audit Corporation collect for?

National Credit Audit Corporation specializes in debt collection for the real estate industry, particularly for apartment complexes and property management companies.

Is National Credit Audit Corporation legit or a scam?

National Credit Audit Corporation 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 Credit Audit Corporation 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 Credit Audit Corporation Contact Information


12770 Coit Rd
Dallas, TX 75251

Mailing address:

P.O. Box 515489
Dallas, TX 75251

Phone number: (800) 779-4894

Should I contact or pay National Credit Audit Corporation?

Nothing good can come from speaking to a debt collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with National Credit Audit Corporation is to work with a credit repair professional. They help remove millions of negative items every year from companies like National Credit Audit Corporation on behalf of their clients.

Will National Credit Audit Corporation sue me or garnish my wages?

National Credit Audit Corporation has the legal capacity to sue for unpaid debts. If they choose to pursue legal action and are successful in their lawsuit, they could potentially garnish your wages or take other measures to collect the debt, depending on the laws in your specific jurisdiction.

However, keep in mind that suing is typically viewed as a last resort due to the time and cost involved. Prior to resorting to legal action, most debt collection agencies prefer to establish a payment plan or negotiate a settlement with the debtor.

National Credit Audit Corporation 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 Credit Audit Corporation

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector 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 Credit Audit Corporation 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 Credit Audit Corporation may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • National Credit Audit Corporation 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 Credit Audit Corporation cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove National Credit Audit Corporation From Your Credit Report Today!

Credit Saint can assist you in disputing National Credit Audit Corporation 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.