Is National Credit Systems Hurting Your Credit?

Seeing National Credit Systems on your credit report? That likely means an unpaid rental-related bill has been sent to collections—and it could be dragging down your credit score.

Here’s how National Credit Systems works and what steps you can take to get them off your credit report.

Who Is National Credit Systems?

National Credit Systems, Inc. (NCS) is a debt collection agency based in Atlanta, Georgia. They’ve been collecting unpaid rent and related housing debts since 1991.

If NCS is showing up on your credit report, it usually means they are trying to collect money tied to a previous apartment lease.

Who Does National Credit Systems Collect For?

National Credit Systems focuses on recovering debt for property management companies and landlords. Common reasons they contact consumers include:

• Unpaid rent after move-out
• Late fees or lease-breaking penalties
• Damage charges beyond what was covered by the security deposit

If you’ve moved out of a rental and left a balance behind, NCS might be the agency pursuing the debt.

Is National Credit Systems Legitimate?

Yes, National Credit Systems is a real debt collector—not a scam. They are authorized to collect money on behalf of landlords and property managers. That said, never assume the information they provide is accurate without verifying the details first.

You have the right to request proof of the debt before taking further action.

How to Remove National Credit Systems From Your Credit Report

Collections accounts can lower your credit score and stay on your report for up to seven years—but they don’t have to stay there if you take the right steps.

Here are your options:

• Dispute errors: If the account is incorrect or not yours, file a dispute with the credit bureaus to have it removed.
• Request debt validation: You can send NCS a letter asking them to prove the debt is legitimate. They must respond with documentation.
• Negotiate a pay-for-delete: In some cases, you may be able to settle the account and get it removed from your credit report.
• Hire a credit repair company: Professionals can help challenge negative accounts and work to clean up your credit history.

Should You Contact or Pay National Credit Systems?

Before paying anything, review your credit report and ask for written verification of the debt. It’s important to know:

• Making a payment can reset the time the debt affects your credit.
• Calling them may not be your best option if you’re unsure how to proceed.

A credit repair expert can guide you through the process and help protect your credit.

Can National Credit Systems Sue You or Garnish Your Wages?

NCS has the legal right to sue you if you owe a valid debt. If they file a lawsuit and win, they may:

• Garnish your wages
• Place liens on your property
• Levy your bank accounts

Laws around garnishment vary by state, and certain types of income may be exempt.

Keep in mind that lawsuits are usually a last resort—many collectors would rather resolve the issue through negotiation.

National Credit Systems Contact Information

Address:
National Credit Systems, Inc.
3750 Naturally Fresh Blvd
Atlanta, GA 30349

Phone:
(800) 367-1050

National Credit Systems Complaints

National Credit Systems has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Incorrect information on credit reports
• Harassment or repeated phone calls
• Failure to properly verify debts

If you believe NCS is violating your rights, you can file a formal complaint with the appropriate agencies.

Your Rights When Dealing With National Credit Systems

The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you important protections, including:

• The right to request written proof of the debt
• Protection from harassment, threats, or abusive language
• The right to dispute incorrect information on your credit report
• NCS must clearly state they are a debt collection agency when contacting you
• They cannot threaten arrest or jail over unpaid debts

Remove National Credit Systems From Your Credit Report Today

If dealing with National Credit Systems feels overwhelming, you don’t have to handle it alone. Credit Saint can help dispute negative items like NCS collections—and they even offer a 90-day money-back guarantee for extra peace of mind.

Call (855) 281-1510 or visit their website to get started.