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 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.)
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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.
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National Credit Systems (NCS) Contact Information
National Credit Systems, Inc.
P.O. Box 312125
Atlanta, GA 31131
National Credit Systems, Inc.
3750 Naturally Fresh Blvd
Atlanta, GA 30349
Phone number: (800) 367-1050
Should I contact or pay National Credit Systems?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.
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
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 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with National Credit Systems
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- National Credit Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- National Credit Systems 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 Systems cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove National Credit Systems From Your Credit Report Today!
Credit Saint can assist you in disputing National Credit Systems 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.
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