National Credit Services


Is National Credit Services 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 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 legitimage 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?

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 Services Contact Information


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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 Services

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • National Credit Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • National Credit Services 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 Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove National Credit Services From Your Credit Report Today!

Credit Saint can assist you in disputing National Credit Services 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.