Who is National Service Bureau?
National Service Bureau, Inc. (NSB) is a third-party collection agency located in Bothell, Washington. They act on behalf of creditors to reclaim unpaid debts.
If you’ve forgotten to settle a bill and your account has fallen into arrears, you could find NSB appearing on your credit report as a collections account.
Who does National Service Bureau collect for?
The National Service Bureau offers their debt collection expertise to a broad range of sectors. These include education, commercial entities, financial institutions, insurance companies, medical facilities, property management firms, and telecom & utility providers.
Is National Service Bureau legit or a scam?
National Service Bureau is a legitimate company. 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 Service Bureau 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 Service Bureau, Inc. Contact Information
National Service Bureau, Inc.
18912 North Creek Parkway, Suite 205
Bothell, WA 98011
Phone number: (800) 798-1674
Should I contact or pay National Service Bureau?
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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with National Service Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like National Service Bureau on behalf of their clients.
Will National Service Bureau sue me or garnish my wages?
National Service Bureau, as with other debt collection agencies, has the authority to initiate legal action against individuals to recover unpaid debts. If they file a lawsuit and the court rules in their favor, wage garnishment could be used as a method to collect the debt. However, this kind of action is typically viewed as a last resort in the collection process.
National Service Bureau, Inc. 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 a debt collector is harassing you, you may want to 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 Service Bureau, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Service Bureau to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency 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 Service Bureau may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- National Service Bureau 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 Service Bureau cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove National Service Bureau From Your Credit Report Today!
Credit Saint can assist you in disputing National Service Bureau 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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Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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