National Credit Systems

Who is National Credit Systems?

National Credit Systems, Inc. (NCS) is a debt collection agency based in Atlanta, Georgia. As part of their services, they specialize in the recovery of unpaid debts on behalf of their clients.

If you see National Credit Systems listed on your credit report as a collections account, it’s likely due to an unpaid bill that has been handed over to them for collection.

Who does National Credit Systems collect for?

National Credit Systems primarily focuses on collecting debts for apartment owners and managers. These debts typically arise from unpaid rent, late fees, or any damages beyond normal wear and tear that were not covered by the security deposit.

Is National Credit Systems legit or a scam?

National Credit Systems is a legitimate company. They’ve been in business since 1991, and 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 Systems from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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 Systems (NCS) Contact Information

Mailing address:

National Credit Systems, Inc.
P.O. Box 312125
Atlanta, GA 31131

Office Address:

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

Phone number: (800) 367-1050

Should I contact or pay National Credit Systems?

Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like National Credit Systems on behalf of their clients.

Will National Credit Systems sue me or garnish my wages?

National Credit Systems (NCS) has the legal right to sue you in court if you fail to pay a valid debt. If NCS wins the lawsuit and obtains a judgment against you, they may be able to garnish your wages or levy your bank account, depending on the laws of your state.

However, it’s important to note that a lawsuit is often a last resort for debt collectors due to the costs and time associated with legal proceedings. In most cases, they would prefer to work out a payment plan with you.

National Credit Systems, Inc. (NCS) Complaints

Many collection agencies have numerous complaints filed 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 you find yourself facing any of these situations with National Credit Systems, you should also 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 Systems

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 Systems to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send National Credit Systems a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• National Credit Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• National Credit Systems 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 Systems cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove National Credit Systems From Your Credit Report Today!

Credit Saint can help you dispute National Credit Systems collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.