Seeing Natlcrsys on your credit report? That usually means National Credit Systems (NCS) is trying to collect on a debt, and your credit score could be paying the price. Here’s how they operate, who they collect for, and what you can do to get them off your credit report.
Who Is Natlcrsys?
Natlcrsys stands for National Credit Systems, Inc., a debt collection agency based in Atlanta, Georgia. They work with property owners and management companies to collect unpaid rent and other housing-related debts.
If National Credit Systems is listed on your credit report, it likely means a landlord or property management company has sent an unpaid account to collections.
Who Does Natlcrsys Collect For?
National Credit Systems focuses almost entirely on the rental housing industry. They collect:
- Unpaid rent
- Property damage charges
- Early lease termination fees
- Other outstanding tenant-related expenses
If you broke a lease, owe back rent, or left unpaid charges when moving out, you may hear from them.
Is Natlcrsys Legitimate or a Scam?
Natlcrsys is a legitimate debt collector. They are authorized to collect debts for property managers, apartment complexes, and landlords. That said, collection agencies sometimes report incorrect information, so always verify a debt before taking action.
How to Remove Natlcrsys From Your Credit Report
A collection account can drag down your credit score for up to seven years, so it’s smart to address it quickly. You have a few options to remove them:
- Dispute Errors: If the debt isn’t yours or the details are wrong, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to demand proof that the debt is accurate and belongs to you. If they can’t verify it, they must remove it.
- Negotiate a Pay-for-Delete: Sometimes, you can offer payment in exchange for the account being removed from your credit report. Get any agreement in writing first.
- Hire a Credit Repair Company: Experienced professionals can challenge negative items like collections on your behalf, often with better results.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Natlcrsys?
Before you contact Natlcrsys, make sure the debt is valid and still within the legal time limits for collection. Some debts may be past the statute of limitations or inaccurately reported.
Be cautious about making payments. In some cases, paying a debt can restart the clock, keeping it on your credit report longer.
If you’re unsure, working with a credit repair professional can help you handle the situation the right way.
Can Natlcrsys Sue You or Garnish Your Wages?
Yes, National Credit Systems can take legal action over unpaid debts. If they sue and win, they could garnish your wages or take money from your bank account, depending on state laws.
However, lawsuits usually come after other collection efforts fail. Most agencies prefer to work out payment plans or settlements before going to court.
Natlcrsys Contact Information
- Office Address:
National Credit Systems
3750 Naturally Fresh Blvd
Atlanta, GA 30349 - Mailing Address:
National Credit Systems
P.O. Box 312125
Atlanta, GA 31131 - Phone Number: (800) 367-1050
Complaints About Natlcrsys
Like most collection agencies, Natlcrsys has complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect debts listed on credit reports
- Harassing phone calls
- Failure to provide proof of debt
If you experience any of these, consider filing a complaint and taking steps to protect your credit.
Your Rights When Dealing With Natlcrsys
You’re protected under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what those protections include:
- Natlcrsys cannot report inaccurate or incomplete information.
- You can request debt validation within 30 days of first contact.
- They are not allowed to harass, threaten, or use abusive language.
- They must clearly state they are a debt collector in both calls and written notices.
- They cannot threaten arrest or jail for unpaid debts.
Remove Natlcrsys From Your Credit Report Today
Struggling with a collection account from Natlcrsys? You don’t have to deal with it alone. Credit Saint helps people challenge inaccurate or questionable collections, including those from National Credit Systems. They’ve been helping clients fix their credit for over 15 years and even offer a 90-day money-back guarantee for extra peace of mind.
Want to get started? Visit their website or call (855) 281-1510 to see how they can help.

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.