Is North American Credit Services Hurting Your Credit?

If North American Credit Services has shown up on your credit report, your score could be taking a hit. Medical collections can damage your credit for years, so it’s important to understand who they are, how they operate, and what steps you can take to remove them.

Who Is North American Credit Services?

North American Credit Services, Inc. (NACS) is a debt collection agency based in Chattanooga, Tennessee. They specialize in collecting unpaid medical bills for healthcare providers, including hospitals, clinics, and private practices.

If NACS is listed on your credit report, it usually means an unpaid medical debt was sent to collections.

Who Does North American Credit Services Collect For?

North American Credit Services focuses on healthcare-related debts. Their clients include:

• Hospitals
• Medical clinics
• Doctors’ offices and private practices
• Other healthcare providers

If you missed payments on medical bills, your account may have been turned over to them for collection.

Is North American Credit Services Legitimate?

Yes, North American Credit Services is a legitimate debt collection company. They are authorized to collect debts on behalf of healthcare providers. However, never assume a debt is valid without verifying it. Errors happen, and not all debts are reported accurately.

How to Remove North American Credit Services From Your Credit Report

Medical collections can stay on your credit report for up to seven years, but that doesn’t mean you’re stuck with them. Here are your options:

• Dispute Inaccurate Information: If the account is incorrect, file a dispute with the credit bureaus to have it removed.
• Request Debt Validation: You have the right to demand proof that the debt is accurate and belongs to you. If they can’t provide it, they must remove the account.
• Negotiate a Pay-for-Delete: Sometimes, you can offer to settle the debt in exchange for having the account deleted from your credit report. Always get agreements in writing.
• Work With a Credit Repair Service: Professionals can challenge negative items like collections, often improving your odds of success.

Should You Contact or Pay North American Credit Services?

Before contacting NACS or making payments, verify that the debt is legitimate and still within your state’s legal time limits for collection.

Making payments without confirming details can reset the reporting timeline, keeping negative marks on your credit longer.

If you’re unsure how to handle the situation, a credit repair company can guide you through your options.

North American Credit Services Contact Information

• Office Address:
  North American Credit Services, Inc.
  2810 Walker Road
  Chattanooga, TN 37421
• Mailing Address:
  North American Credit Services, Inc.
  P.O. Box 182221
  Chattanooga, TN 37422
• Phone Number: (423) 894-5654

Complaints About North American Credit Services

Many collection agencies, including NACS, have complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:

• Inaccurate reporting on credit reports
• Harassment or excessive calls
• Failure to properly verify debts

If you face these issues, you can file a complaint to protect your rights.

Your Rights When Dealing With North American Credit Services

You have legal protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These rights include:

• NACS cannot report false or incomplete information.
• You can request debt validation within 30 days of being contacted.
• Harassment, threats, or abusive language is prohibited.
• They must identify themselves as a debt collector during phone calls and in writing.
• They cannot threaten arrest or legal actions they aren’t allowed to pursue.

Remove North American Credit Services From Your Credit Report Today

Dealing with medical collections can be overwhelming, but help is available. Credit Saint helps people challenge negative items from companies like North American Credit Services. With over 15 years of experience, they’ve assisted thousands of clients in improving their credit, and they even offer a 90-day money-back guarantee for peace of mind.

Want to take control of your credit? Visit their website or call (855) 281-1510 to get started.