Who is Nationwide Credit & Collection?
Nationwide Credit & Collection, Inc. (NCC) is a debt collection agency based in Oak Brook, Illinois. They serve as a middleman between creditors and debtors, attempting to collect on overdue bills.
If you’ve missed payments on a debt, you might notice NCC appearing on your credit report.
Who does Nationwide Credit & Collection collect for?
Nationwide Credit & Collection caters to a wide variety of clients from diverse sectors such as credit unions, government entities, healthcare institutions, and utility providers.
Is Nationwide Credit & Collection legit or a scam?
Nationwide Credit & Collection 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 & Collection 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 & Collection (NCC) Contact Information
Address:
Nationwide Credit & Collection
815 Commerce Dr. Suite 270
Oak Brook, IL 60523
Phone number: (888) 348-4524
Should I contact or pay Nationwide Credit & Collection?
Before contacting a 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 Credit reports can contain errors or list debts that are no longer valid.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 a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Nationwide Credit & Collection on behalf of their clients.
Will Nationwide Credit & Collection sue me or garnish my wages?
Nationwide Credit & Collection has the legal right to sue you for an unpaid debt. If they win a judgment against you in court, it could potentially result in wage garnishment, bank levies, or liens against your property, depending on your state laws.
However, this tends to be a last resort for most debt collection agencies. They usually prefer to work out a payment plan or settle the debt for a lower amount.
Nationwide Credit & Collection Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 & Collection
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 & Collection 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 & Collection cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Nationwide Credit & Collection 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 & Collection cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Nationwide Credit & Collection From Your Credit Report Today!
Credit Saint offers assistance with disputing NCC 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.
