North American Credit Services

Is North American Credit Services 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 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 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?

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

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

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.?

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 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

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 North American Credit Services, Inc.

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • North American Credit Services, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • North American Credit Services 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.
  • North American Credit Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove North American Credit Services From Your Credit Report Today!

Credit Saint can assist you in disputing North American Credit Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

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