Seeing NCC Collections on your credit report can be frustrating. Collection accounts can drag down your credit score and stay on your credit report for up to seven years. The good news is, you may have options to get it removed.
Here’s what you need to know about NCC Collections and how to handle them.
Who Is NCC Collections?
NCC Collections, also called Nationwide Credit Corporation or NCC Business Services, is a debt collection agency based in Alexandria, Virginia. If they’re showing up on your credit report, it means they’re trying to collect on an unpaid debt.
Who Does NCC Collections Collect For?
NCC Collections works with different industries to recover unpaid debts. They handle:
- Commercial debts: Unpaid business accounts
- Credit union debts: Overdue loans or credit card balances
- Government debts: Unpaid taxes, fines, or fees
- Medical bills: Outstanding healthcare balances
- Utility bills: Past-due electricity, gas, water, or telecom services
Is NCC Collections Legitimate?
Yes, NCC Collections is a real company. They are legally allowed to collect debts on behalf of their clients. However, not every debt they report is valid. Always verify the details before paying.
How to Remove NCC Collections From Your Credit Report
If you want NCC Collections off your credit report, here are your options:
- Dispute errors: If the account is inaccurate, outdated, or doesn’t belong to you, file a dispute with the credit bureaus. They must investigate and remove incorrect information.
- Request debt validation: Send NCC Collections a debt validation letter. They are required to prove the debt is yours and the amount is correct.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account if you settle the debt. Get any agreement in writing before paying.
- Work with a credit repair company: Professionals can help challenge collection accounts and deal with the credit bureaus on your behalf.
Collection accounts hurt your credit score, so addressing them quickly can help you rebuild your credit.
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 NCC Collections?
Never pay a debt without verifying it first. Paying can reset the statute of limitations in some states, which could make the debt legally enforceable for longer.
Check your credit report for errors. If the account is accurate and belongs to you, consider your options. You might be able to negotiate a lower settlement or have the account removed entirely.
Many people choose to work with credit repair professionals to handle collection accounts. These experts know how to challenge negative items and protect your credit.
Can NCC Collections Sue You or Garnish Your Wages?
NCC Collections can take legal action to collect a debt. They may:
- Report the debt to the credit bureaus
- Call or send letters to demand payment
- File a lawsuit to recover the balance
If they sue you and win, they might be able to garnish your wages or levy your bank account, depending on state laws.
That said, lawsuits are expensive, and many collection agencies prefer to negotiate settlements or payment plans instead.
NCC Collections Contact Information
Here’s how to reach them:
Nationwide Credit Corporation
5503 Cherokee Ave., Suite 100
Alexandria, VA 22312
Phone: (703) 776-9260
Complaints About NCC Collections
Many people have filed complaints about NCC Collections with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate debt reporting
- Harassment or repeated phone calls
- Failure to verify debts
If you believe NCC Collections is violating your rights, you can file a complaint with these agencies.
Your Rights When Dealing With NCC Collections
Debt collectors must follow the law. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you. Here’s what you should know:
- They cannot report false or incomplete information about you.
- You can request debt validation. They must prove the debt is yours within 30 days.
- They cannot harass you, use obscene language, or threaten illegal actions.
- They must be clear about who they are and why they’re contacting you.
- They cannot threaten arrest or jail over unpaid debts.
Knowing your rights helps you avoid being taken advantage of and gives you more control over the situation.
Need Help Removing NCC Collections?
Dealing with collection agencies can be stressful, but you don’t have to do it alone. Credit Saint has over 15 years of experience helping clients challenge negative items like NCC Collections. They even offer a 90-day money-back guarantee for added peace of mind.
If you’re ready to take action, visit their website or call (855) 281-1510 to learn more.
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.
