Is NCEP LLC hurting your credit score?

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Who is NCEP LLC?

NCEP LLC, also known as Credigy Receivables, Inc., is a debt buying company based in Carson City, Nevada. As a debt buyer, they purchase delinquent or charged-off debts from a variety of lenders and credit issuers at a discount.

The company then attempts to collect the debt themselves or through contracted third-party agencies. If you see NCEP LLC listed on your credit report, it means they have acquired a debt you owe and are attempting to collect on it.

Who does NCEP LLC collect for?

NCEP LLC does not typically collect on behalf of original creditors. Instead, they buy the debts of original creditors, which can range from credit card companies to loan providers.

Is NCEP LLC legit or a scam?

NCEP LLC is a legitimate company. However, they may engage in practices that can feel intrusive or overwhelming, such as repeated calls, texts, or emails.

How can I remove NCEP LLC from my credit report?

NCEP collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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NCEP LLC Contact Information


112 N Curry St.
Carson City, NV 89703

Phone number: (866) 678-4153

Should I contact or pay NCEP LLC?

Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 NCEP LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like NCEP LLC on behalf of their clients.

Will NCEP LLC sue me or garnish my wages?

NCEP LLC has the ability to sue you for the unpaid debt. If they win a judgment in court, they may have the ability to garnish your wages or seize assets depending on your state’s laws.

It’s important to remember that not all debts result in such measures. The decision to sue is often dependent on various factors, including the size of the debt and the potential ability of the debtor to repay.

NCEP LLC 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 NCEP LLC

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 NCEP LLC 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.
  • NCEP LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • NCEP LLC 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.
  • NCEP LLC cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove NCEP LLC From Your Credit Report Today!

Credit Saint can help you dispute NCEP LLC collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.