Seeing National Credit Management on your credit report can be frustrating—and confusing. Here’s what you need to know about who they are, how they affect your credit, and what steps you can take to remove them.
Who Is National Credit Management?
National Credit Management (NCM) is a debt collection agency based in St. Louis, Missouri. They work on behalf of other companies to collect overdue debts from consumers.
If NCM appears on your credit report, it usually means they’ve been hired to collect on an unpaid debt that you owe.
What Types of Debts Does National Credit Management Collect?
National Credit Management primarily focuses on collecting student loan debts. They work with colleges, universities, and lenders to recover unpaid tuition or student loan balances.
If you’ve fallen behind on a student loan or education-related payment, there’s a good chance that’s why they’re contacting you.
Is National Credit Management a Legitimate Company?
Yes, National Credit Management is a real debt collection agency. They are legally authorized to collect debts on behalf of their clients.
That said, you should always verify the details of any debt before agreeing to pay. Mistakes happen, and inaccurate information can show up on your credit report.
How to Remove National Credit Management From Your Credit Report
Collection accounts can lower your credit score and stay on your credit report for up to seven years. But you may have options to remove them sooner:
- Dispute inaccurate information – If the debt is incorrect or not yours, file a dispute with the credit bureaus.
- Request debt validation – You can ask National Credit Management to prove the debt is valid and belongs to you.
- Negotiate a pay-for-delete – In some cases, you can offer payment in exchange for the account being removed from your credit report.
- Work with a credit repair company – Professionals can help dispute questionable accounts and improve your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay National Credit Management?
Before making contact, confirm that the debt is valid. Credit reports often contain errors, and some debts may be past the statute of limitations for collection.
Important points to remember:
- Making a payment can restart the clock on the debt.
- You have the right to request written proof of the debt.
- Working with a credit repair company can help you avoid missteps.
Can National Credit Management Sue You or Garnish Your Wages?
Yes, they have the legal right to sue for unpaid debts. If they win in court, they could be awarded a judgment, which may lead to:
- Wage garnishment
- Bank account levies
- Property liens (depending on your state laws)
Lawsuits and wage garnishment are usually last-resort options. Most debt collectors prefer to arrange a payment plan rather than take legal action.
National Credit Management Contact Information
Office Address:
National Credit Management
10845 Olive Blvd, Suite 210
St. Louis, MO 63141
Mailing Address:
National Credit Management
P.O. Box 32900
St. Louis, MO 63132
Phone Number: (800) 627-2300
Complaints About National Credit Management
Like many collection agencies, National Credit Management has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
Common complaints include:
- Inaccurate reporting to the credit bureaus
- Harassing phone calls
- Failure to provide debt verification
If you’re dealing with these issues, you can file a complaint and exercise your consumer rights.
Your Rights When Dealing With National Credit Management
Federal and state laws protect you from unfair collection practices. Under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA):
- They cannot report false or incomplete information.
- You can request written proof that the debt belongs to you.
- Harassment, repeated calls, threats, or abusive language is prohibited.
- They must clearly identify themselves as a debt collector.
- They cannot threaten jail time for unpaid debts.
Knowing your rights can help you handle the situation with confidence.
Remove National Credit Management From Your Credit Report Today
If you’re feeling overwhelmed by collection accounts, professional help is available. Credit Saint has over 15 years of experience assisting clients with removing negative credit report entries, including accounts from National Credit Management.
They even offer a 90-day money-back guarantee, giving you peace of mind while working to improve your credit.
Call (855) 281-1510 or visit their website 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.
