If National Enterprise Systems is showing up on your credit report, it means a past-due account has been turned over to collections—and that can seriously damage your credit score.
Here’s how they operate and what steps you can take to get them removed.
Who Is National Enterprise Systems?
National Enterprise Systems, Inc. (NES) is a debt collection agency based in Solon, Ohio. They’ve been in business since 1987 and work on behalf of companies trying to collect unpaid debts.
If NES appears on your credit report, it typically means an old debt has been transferred or sold to them for collection.
Who Does National Enterprise Systems Collect For?
National Enterprise Systems works with a wide range of industries, including:
- Auto lenders: Unpaid car loans or lease deficiencies
- Banks and financial services: Overdue credit card bills or personal loans
- Government agencies: Unpaid fines, fees, or loans
- Retailers: Store credit cards or installment plans
- Student loan servicers: Defaulted student loans
- Telecommunications: Past-due phone, internet, or cable bills
They’re a third-party collector, which means they’re not the original lender but have been hired to collect the outstanding balance.
Is National Enterprise Systems Legitimate?
Yes, NES is a legitimate, licensed debt collection agency—not a scam. They are authorized to contact consumers and attempt to recover unpaid debts for their clients.
That said, always verify the debt before making payments. You have the right to request proof that the debt is valid and belongs to you.
How to Remove National Enterprise Systems From Your Credit Report
Collections accounts can lower your credit score and stay on your report for up to seven years, but there are ways to challenge or remove them:
- Dispute incorrect information: If the account isn’t yours or contains errors, file a dispute with the credit bureaus.
- Request debt validation: You can ask NES to provide proof of the debt. If they can’t, the account must be removed.
- Negotiate a pay-for-delete: Sometimes you can agree to pay the debt in exchange for having the account removed from your credit report.
- Work with a credit repair company: Experts can help dispute negative items and improve your credit faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay National Enterprise Systems?
Before paying anything, confirm the debt is legitimate and reported accurately. Keep in mind:
- Paying the debt could reset the statute of limitations in some states.
- Calling the agency may not always be your best first step.
- Disputing the account or negotiating through a credit repair professional can often produce better results.
Can National Enterprise Systems Sue You or Garnish Your Wages?
NES does have the legal right to sue if you owe a valid debt. If they win the case and get a judgment against you, they may:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property
Laws around garnishment depend on your state, and certain income sources may be protected. Most collection agencies prefer to resolve the debt without going to court, but lawsuits are possible.
National Enterprise Systems Complaints
Like many collection agencies, NES has received complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Incorrect debts showing on credit reports
- Harassment or excessive phone calls
- Failure to properly verify debts
If you feel your rights are being violated, you can submit a complaint to the CFPB or your state’s attorney general.
National Enterprise Systems (NES) Contact Information
Address:
National Enterprise Systems
29125 Solon Road
Solon, OH 44139
Phone number: (440) 542-1360 or (800) 973-0600
Your Rights When Dealing With National Enterprise Systems
Debt collectors must follow strict federal laws, including:
- The Fair Debt Collection Practices Act (FDCPA): Prohibits harassment, threats, or abusive language
- The Fair Credit Reporting Act (FCRA): Gives you the right to dispute inaccurate credit report information
Under these laws:
- NES cannot report false or incomplete information
- You can request written proof of the debt through a validation letter
- They must clearly identify themselves as a debt collection agency
- They cannot threaten arrest or use deceptive tactics
Remove National Enterprise Systems From Your Credit Report Today
Struggling with a National Enterprise Systems collection account? You don’t have to face it alone. Credit Saint can help dispute negative items like NES—and they even offer a 90-day money-back guarantee for added peace of mind.
Call (855) 281-1510 or visit their website to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
