Who is National Credit Services, Inc.?
National Credit Services, Inc. (NCS) is a third-party debt collection agency based in Bothell, Washington. Their primary role is to collect unpaid debts on behalf of different businesses across various industries.
If you see NCS listed on your credit report, it typically means they have bought or been assigned a debt you allegedly owe from an original creditor, and are attempting to collect it. This can occur if you’ve defaulted on a payment or unpaid bill.
Who does National Credit Services collect for?
National Credit Services collects debts for higher education, healthcare, financial institutions, utility companies, and commercial companies. They have a partnership with the U.S. Department of Education.
Is National Credit Services legit or a scam?
National Credit Services is a legitimate company. However, many people may perceive NCS, and debt collection companies in general, as scams due to the high frequency and sometimes aggressive nature of their communication attempts, which can include phone calls, emails, and text messages.
How can I remove National Credit Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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National Credit Services Contact Information
Address:
National Credit Services
2525 220th St. SE Ste 200
Bothell, WA 98021
Phone number: (800) 324-7564
Should I contact or pay National Credit Services?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with National Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like National Credit Services, Inc. on behalf of their clients.
Will National Credit Services sue me or garnish my wages?
National Credit Services, like any third-party debt collection agency, is entitled to sue you for unpaid debts. If they win a judgment against you in court, depending on your state laws, they might be able to garnish your wages or levy your bank account to recover the debt. This means they could have a portion of your paycheck sent to them directly until the debt is paid off, or they could take money directly from your bank account.
National Credit Services Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with National Credit Services
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for National Credit Services 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. They have 30 days to prove the debt is yours and the amount is accurate.
- National Credit Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- National Credit Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- National Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove National Credit Services From Your Credit Report Today!
Credit Saint offers assistance with disputing National Credit Services collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
