Is NCEP, LLC hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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.

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

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law Firm is a credit repair company that helps people fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

NCEP, LLC Contact Information


112 N Curry St.
Carson City, NV 89703

Phone number: (866) 678-4153

Should I contact or pay NCEP, LLC?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with NCEP, LLC

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • NCEP, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • NCEP, LLC must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • NCEP, LLC cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove NCEP, LLC From Your Credit Report Today!

Lexington Law Firm can assist you in disputing NCEP, LLC collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.