North American Credit Services


Is North American Credit Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is North American Credit Services?

North American Credit Services, Inc. (NACS) is a debt collection agency based in Chattanooga, Tennessee. They help businesses manage their outstanding accounts and collect overdue payments.

If North American Credit Services appears on your credit report as a collections account, this signifies that you have an unpaid debt that has been transferred to them for collection.

Who does North American Credit Services collect for?

North American Credit Services primarily specializes in collecting healthcare receivables. They work with hospitals, clinics, private practices, and other health-related institutions to collect debts from patients who have not paid their medical bills.

Is North American Credit Services legit or a scam?

North American Credit Services, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove North American Credit Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

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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North American Credit Services, Inc. Contact Information


North American Credit Services, Inc.
2810 Walker Road
Chattanooga, TN 37421

Mailing address:

North American Credit Services, Inc.
PO Box 182221
Chattanooga, TN 37422

Phone number: (423) 894-5654

Should I contact or pay North American Credit Services, Inc.?

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 North American Credit Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like North American Credit Services on behalf of their clients.

Will North American Credit Services, Inc. sue me or garnish my wages?

North American Credit Services, Inc. (NACS) has the legal right to take certain actions to recover outstanding debts, including suing you in a court of law. If they win the case, the court could issue a judgment against you. This could result in wage garnishment or a lien on your property. They may even levy your bank account, depending on your state’s laws.

North American Credit Services, Inc. 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 North American Credit Services, Inc.

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 North American Credit Services 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.
  • North American Credit Services, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • North American Credit Services 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.
  • North American Credit Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove North American Credit Services From Your Credit Report Today!

Credit Saint can help you dispute North American Credit Services 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.