If North Shore Agency (NSA) appears on your credit report, you’re likely dealing with a collection account tied to an unpaid debt. And while that can negatively impact your credit score, you have options to challenge, settle, or remove it—especially if it’s inaccurate.
Who Is North Shore Agency?
North Shore Agency is a debt collection company based in Melville, New York. They operate as a subsidiary of NCO Financial Systems, Inc., one of the largest players in the collections industry. NSA collects debts on behalf of a wide range of creditors and businesses.
If you see them listed on your credit report, it usually means a past-due bill was sent to collections.
What Types of Debt Does North Shore Agency Collect?
NSA works across many industries, collecting debts for companies in sectors such as:
- Auto loans and dealerships
- Banks and credit unions
- Medical services and hospitals
- Government agencies
- Utilities and telecommunications
- Credit cards and financial institutions
- Colleges, schools, and education services
- Publishers, retailers, and subscription services
This means the collection account could be related to anything from a utility bill to an unpaid medical expense or a magazine subscription.
Is North Shore Agency Legit?
Yes, North Shore Agency is a real and authorized debt collector. But just because they’re legitimate doesn’t mean the account they’re reporting is accurate or valid. Collections are frequently reported with errors, so it’s essential to verify everything before making any payments.
How to Remove North Shore Agency From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but that doesn’t mean you have to live with the damage. Here are the best ways to remove it:
1. Dispute Any Errors
Look for incorrect account details like balance, dates, or even whether the account is yours at all. If anything is wrong, file a dispute with the credit bureaus. If they can’t verify the debt, they must remove it.
2. Send a Debt Validation Letter
You have the legal right to ask NSA to prove the debt is real and that they have the authority to collect it. Send a debt validation letter within 30 days of first contact. If they can’t provide sufficient documentation, the account must be deleted from your report.
3. Negotiate a Pay-for-Delete
If the debt is valid, and you’re willing to pay, try negotiating a pay-for-delete. That means you offer to settle the debt if NSA agrees in writing to remove it from your credit report. Not all agencies will agree, but many will—especially for smaller or older debts.
4. Work With a Credit Repair Professional
If you’d rather not handle this yourself, a credit repair company can manage the dispute and negotiation process. These services can help remove incorrect or unverifiable items and improve your credit faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay North Shore Agency?
Don’t contact or pay NSA until you confirm:
- The debt is valid and belongs to you
- It’s still legally collectible based on your state’s statute of limitations
- You understand how paying could impact your credit and legal rights
Also, be aware that making a payment can reset the clock on how long the debt remains collectible.
Can North Shore Agency Sue or Garnish Wages?
Yes, North Shore Agency can sue you for unpaid debts. If they take you to court and win, they could:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
That said, legal action is often a last resort. Most agencies prefer to settle directly with you to avoid the time and cost of going to court.
Complaints About North Shore Agency
NSA has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues include:
- Attempting to collect debts not owed
- Harassment or repeated calls
- Reporting inaccurate information
- Failing to verify debts upon request
If you experience any of these issues, consider filing a complaint with the CFPB or your state attorney general.
Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) protect you from inaccurate reporting and aggressive collection tactics.
Your rights include:
- Disputing inaccurate information on your credit report
- Requesting written validation of any debt
- Protection from harassment or threats
- Receiving clear communication from collectors
- Sending a written request to stop contact
Collectors who violate these laws can face penalties—and you may be entitled to damages.
North Shore Agency Contact Information
Office Address:
North Shore Agency
270 Spagnoli Rd, Suite 110
Melville, NY 11747-3515
Phone:
(866) 848-2121
Get Help Removing North Shore Agency From Your Credit Report
You don’t have to tackle it by yourself. Credit Saint has years of experience dealing with collection agencies and helping people clean up their credit. They’ve removed thousands of negative items—including those from North Shore Agency—and back their work with a 90-day money-back guarantee.
Call (855) 281-1510 or visit their website for a free consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
