Who is Nationwide Credit Inc?
Nationwide Credit Inc (NCI) is a debt collection agency, operating out of Atlanta, Georgia. Their primary role involves collecting unpaid debts on behalf of various clients.
If you notice Nationwide Credit listed on your credit report under collections account, this usually means you have a bill or debt that was not paid and has been transferred to them for recovery.
Who does Nationwide Credit Inc collect for?
Nationwide Credit Inc operates across a broad spectrum of industries. They serve clients in the automotive, banking, credit card, healthcare, insurance, mortgage, retail, telecommunication, and utilities sectors.
Their role is to recover overdue payments from customers of these industries. This could range from unpaid medical bills and overdue credit card payments to delinquent automotive loans, unpaid utility bills, and more.
Is Nationwide Credit Inc legit or a scam?
Nationwide Credit Inc 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 Nationwide Credit from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Nationwide Credit Inc Contact Information
Address:
Nationwide Credit Inc
1000 Abernathy Rd Ste 200
Atlanta, GA 30328-5604
Phone number: (800) 456-4729
Should I contact or pay Nationwide Credit Inc?
Before contacting a third-party debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Nationwide Credit Inc is to work with a credit repair professional. They help remove millions of negative items every year from companies like Nationwide Credit Inc on behalf of their clients.
Will Nationwide Credit Inc sue me or garnish my wages?
Nationwide Credit Inc can sue you if the debt is significant and you have not been responsive to their attempts at collection. If the lawsuit is successful and they win a court judgment against you, they may be able to garnish your wages or levy your bank account, depending on your state’s laws.
However, taking someone to court is often a last resort for collection agencies because it’s a costly and time-consuming process. Before it reaches this stage, they are likely to make numerous attempts to contact you and negotiate a payment plan or settlement.
Nationwide Credit Inc Complaints
Many collection agencies have numerous complaints filed 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 are being harassed by Nationwide Credit, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Nationwide Credit Inc
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Nationwide Credit Inc 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Nationwide Credit Inc cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Nationwide Credit Inc must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Nationwide Credit Inc cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Nationwide Credit Inc From Your Credit Report Today!
Credit Saint offers assistance with disputing Nationwide Credit collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
