If National Service Bureau, Inc. is showing up on your credit report, it likely means you have an unpaid debt that has been sent to collections. Here’s what that means for your credit—and how to work toward getting it removed.
Who Is National Service Bureau, Inc.?
National Service Bureau is a third-party debt collection agency based in Bothell, Washington. They work with businesses to collect unpaid debts when the original creditor has been unsuccessful in recovering the balance.
If your account has been placed with National Service Bureau, the collection account may appear on your credit report, which can lower your credit score.
Who Does National Service Bureau Collect For?
National Service Bureau collects debts across several industries, including:
- Educational institutions
- Financial services and banks
- Insurance companies
- Medical providers
- Property management companies
- Telecom and utility providers
- Commercial businesses
If you’ve fallen behind on payments to a business in one of these sectors, National Service Bureau may be trying to collect the debt.
Is National Service Bureau a Scam?
National Service Bureau is a legitimate debt collection agency. They are authorized to collect debts for their clients. That said, always verify the debt before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove National Service Bureau From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to address them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You can ask National Service Bureau to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies may agree to remove the account if you settle the debt. Always get this agreement in writing.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
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Should You Contact or Pay National Service Bureau?
Before contacting them, confirm the debt is valid and within the statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further affect your credit.
Many people choose to work with credit repair professionals to avoid mistakes when dealing with collection agencies.
Can National Service Bureau Sue or Garnish Wages?
Debt collectors like National Service Bureau can sue to recover unpaid debts. If they win a court judgment, they may be able to garnish wages or levy bank accounts, depending on your state’s laws.
That said, legal action is typically a last resort. Most collection agencies attempt to resolve debts through payment plans or settlements before pursuing lawsuits.
National Service Bureau Contact Information
Address:
National Service Bureau, Inc.
18912 North Creek Parkway, Suite 205
Bothell, WA 98011
Phone: (800) 798-1674
Complaints About National Service Bureau
Many debt collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With National Service Bureau Collections
Dealing with collection accounts can be stressful, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
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.