Is National Recovery Solutions Hurting Your Credit?

If National Recovery Solutions, LLC (NRS) shows up on your credit report, it usually means you have an unpaid debt that’s gone to collections. That can drag your credit score down and make it harder to qualify for loans, credit cards, or even housing.

Here’s what you need to know—and what you can do about it.

What Is National Recovery Solutions, LLC?

National Recovery Solutions is a third-party debt collection agency based in Lockport, New York. They collect overdue accounts on behalf of businesses and government entities, including student loan providers.

If you see them listed on your credit report, it’s likely because they’ve taken over collection efforts for a debt you didn’t pay—most often related to education or government services.

Who Does National Recovery Solutions Collect For?

NRS focuses heavily on education-related debts. This includes:

• Federal student loans
• Tuition balances
• Other debts tied to colleges or universities

They also act as a subcontractor for the U.S. Department of Education, helping collect on defaulted federal student loans.

Is National Recovery Solutions a Real Company?

Yes—National Recovery Solutions is a legitimate debt collector. They’re licensed to collect debts and are not a scam. That said, just because they contact you doesn’t mean the debt they’re trying to collect is valid or accurate. Always verify before taking any action.

How to Remove National Recovery Solutions From Your Credit Report

A collection account can hurt your credit for up to seven years—but there are steps you can take to remove it.

1. Dispute Any Errors

Start by checking for mistakes. Look at:

• The balance they claim you owe
• The date of delinquency
• Whether the account even belongs to you

If something’s wrong, file a dispute with the credit bureaus (Equifax, Experian, and TransUnion).

2. Request Debt Validation

Under federal law, you can request a debt validation letter from NRS. This forces them to prove the debt is real, accurate, and actually yours. If they can’t provide proper documentation within 30 days, they may have to stop reporting the account.

3. Try a Pay-for-Delete Agreement

If the debt is legit and you’re able to pay it, you might offer to settle the account in exchange for removal from your credit report. Not all collectors agree to this, but it’s worth asking in writing before sending any money.

4. Work With a Credit Repair Company

If you’re overwhelmed or unsure where to start, a reputable credit repair company can handle disputes and negotiations for you. Many have experience dealing with companies like National Recovery Solutions and may improve your results.

Should You Contact or Pay National Recovery Solutions?

Don’t rush to contact them or make a payment. First:

• Check the statute of limitations in your state. If the debt is too old, you may not be legally required to pay it.
• Be careful about restarting the clock. Making a payment—even a small one—can reset how long the debt stays on your report.
• Request written validation before anything else.

In short, verify everything before you engage.

Can National Recovery Solutions Sue You or Garnish Your Wages?

Yes, they can sue you if the debt is valid and within the statute of limitations. If they win a court judgment, they could garnish your wages or freeze your bank account—depending on your state laws.

That said, lawsuits are usually a last resort. Collection agencies often prefer to negotiate a payment plan or lump-sum settlement.

Complaints Against National Recovery Solutions

NRS has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints involve:

• Inaccurate information on credit reports
• Failure to respond to debt validation requests
• Aggressive or harassing collection tactics

If you feel your rights are being violated, you can file a complaint with the CFPB or your state’s attorney general.

Know Your Rights Under Federal Law

You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you the right to:

• Dispute inaccurate or outdated information
• Request debt validation
• Be free from harassment or threats
• Receive written notice that the collector is attempting to collect a debt
• Not be misled or lied to by a debt collector

If a debt collector breaks these rules, you may have grounds for legal action.

National Recovery Solutions Contact Information

Here’s how to reach them:

Address:
National Recovery Solutions
6425 Dysinger Road
Lockport, NY 14094

Phone:
(888) 863-5498

Don’t Let One Collection Tank Your Credit Score

A collection account doesn’t have to stay on your report forever. Whether you’re disputing inaccuracies, negotiating a resolution, or working with a professional, there are real steps you can take to move forward.

Credit Saint is one option to consider. They’ve helped thousands of people challenge negative marks—and they offer a 90-day money-back guarantee if you’re not satisfied with the results.

To get started, visit their website or call (855) 281-1510.