Is NCB Management Services Hurting Your Credit?

If NCB Management Services, Inc. shows up on your credit report, it likely means you’re dealing with a collection account. That can drag your credit score down, especially if it’s reported as unpaid. But don’t panic—there are ways to handle it, and even remove it.

What Is NCB Management Services?

NCB Management Services is a debt collector and debt buyer based in Trevose, Pennsylvania. They purchase unpaid debts from banks, credit card companies, and lenders—often for a fraction of the original amount—and then try to collect the full balance from consumers.

If they’re on your credit report, it usually means they’ve either purchased your debt or are collecting on behalf of another company.

Who Does NCB Management Services Collect For?

They focus mainly on unsecured consumer debt. That includes:

• Credit card debt
• Personal loans
• Auto loan deficiencies

They may contact you by phone or mail and report the account to the credit bureaus.

Is NCB Management Services a Legitimate Company?

Yes, NCB Management Services is a legitimate debt collection agency. But just because they’re real doesn’t mean the debt is. Errors happen, and debts are sometimes reported inaccurately or long after they’ve become uncollectible.

Always verify the debt before paying a cent.

How to Remove NCB Management Services From Your Credit Report

A collection account can stay on your credit report for up to seven years—even if you pay it. That’s why it’s important to act strategically.

Here are your best options:

• Dispute inaccuracies: If anything about the account is wrong (balance, dates, ownership), file a dispute with the credit bureaus.
• Send a debt validation letter: Request proof that the debt is actually yours and legally collectible. If NCB can’t validate it, they must remove it.
• Negotiate a pay-for-delete: Offer to settle the debt if NCB agrees in writing to remove the account from your credit report. They’re not required to say yes, but some do.
• Hire a credit repair company: Professionals can help challenge accounts like this and increase your chances of success.

Should You Contact or Pay NCB Management Services?

Not right away.

First, check your credit reports and validate the debt. If you make a payment on an old debt, you could restart the statute of limitations, which may give them more time to sue you.

If you confirm the debt is legit and current, you can negotiate a settlement or explore pay-for-delete. But go in with a plan—and ideally, something in writing.

Could NCB Management Services Sue You?

Yes, they can sue if the debt is valid and within your state’s statute of limitations. If they win a judgment, they could garnish your wages or freeze your bank account, depending on local laws.

That said, lawsuits are expensive and time-consuming. Most collectors prefer to settle or set up payment plans.

What If NCB Management Is Harassing You?

You have rights. If NCB is calling nonstop, using abusive language, or failing to verify a debt when asked, they may be breaking the law.

Common complaints include:

• Incorrect credit reporting
• Harassment or threats
• Failure to respond to debt validation requests

You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or Better Business Bureau (BBB) if you believe your rights are being violated.

Your Rights Under Federal Law

Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what that means for you:

• They can’t report false or incomplete information.
• You have the right to request debt validation within 30 days of first contact.
• They can’t threaten you with jail time or public shaming.
• They must clearly identify themselves as debt collectors.
• They must stop contacting you if you send a written cease-and-desist letter.

Contact Info for NCB Management Services

Here’s how to reach them if you need to send a letter or negotiate:

NCB Management Services, Inc.
One Allied Drive
Trevose, PA 19053
Phone: (800) 828-1110

Want Help Removing NCB Management From Your Credit?

Dealing with collectors and credit disputes can be exhausting—but you don’t have to go through it alone. Credit Saint specializes in removing negative items from credit reports, including accounts from NCB Management Services.

They’ve helped thousands of people improve their credit and offer a 90-day money-back guarantee if you’re not satisfied.

Call (855) 281-1510 or visit their website to learn more.