Thomas George Associates on Your Credit Report: What to Know

National Credit Audit Corporation (NCAC) collects exclusively for apartment complexes and property management companies. Their name in credit bureau databases is linked to First Advantage LNS, Inc. and Resident Data, a tenant screening company that also provides debt collection services for the apartment industry.

A 2017 proposed class action alleged NCAC sent a collection email about a Northwest Crossing Apartments debt without including the mandatory FDCPA validation notice. A documented BBB complaint describes NCAC ignoring a consumer’s request for their remaining balance for two months, then refusing to provide anything in writing.

This guide covers who NCAC is, their documented patterns, and how to respond.

Who Is National Credit Audit Corporation?

National Credit Audit Corporation, LLC (NCAC) is a Dallas, Texas apartment debt collection agency connected to First Advantage LNS, Inc. and Resident Data. The CFPB categorizes all NCAC complaints under First Advantage. Resident Data, based in nearby Richardson, Texas, provides both tenant screening and debt collection services for the apartment industry.

NCAC is not BBB-accredited and has accumulated 43 BBB complaints and 42 CFPB complaints. They have been named in 4 federal civil cases.

The First Advantage and Resident Data Connection

NCAC’s relationship with First Advantage and Resident Data creates a specific risk for renters. Resident Data runs tenant screening reports for apartment communities. If NCAC owns or manages your debt, the same parent organization that screens future rental applications may also be reporting the collection.

This connection means an NCAC collection account can follow you not just as a credit report entry but as a flag in tenant screening databases used by property managers nationwide. Resolving an NCAC account before applying for new housing is a practical priority beyond credit score repair.

The 2017 Email Validation Notice Class Action

A 2017 proposed class action, Hayes v. National Credit Audit Corporation, alleged NCAC sent a collection email to a consumer about a debt owed to Northwest Crossing Apartments. The email was the first communication between the consumer and NCAC. Under the FDCPA, the first communication must include mandatory validation language informing the consumer of their right to request debt verification within 30 days.

The email did not include that language. The consumer was left unaware of their right to dispute.

If you received an NCAC email that did not include a statement of your right to dispute within 30 days, preserve that email. It may reflect the same violation alleged in the 2017 class action.

Refusing to Provide Balance in Writing

A documented BBB complaint describes a consumer who had been making payments on an early lease termination balance for approximately one year. When they asked NCAC for their remaining balance to verify payments were being applied correctly, NCAC ignored the request for two months.

When the consumer followed up, NCAC responded verbally that the balance was not paid off rather than providing any written documentation. When pressed, NCAC stated they would not provide anything in writing regarding the remaining balance.

Under the FDCPA, consumers have the right to request validation of the debt at any time during the collection process. A collector that refuses to provide any written balance documentation while actively collecting payments is a specific documented issue worth filing a CFPB complaint about.

Texas Property Code Requirements

Texas apartment debt carries specific state law requirements beyond the federal FDCPA. Under Texas Property Code Section 92, landlords must follow specific procedures regarding security deposits, deductions, and itemized statements. Documentation of move-out charges must meet these standards before the debt can be validly collected.

If NCAC is collecting a Texas apartment balance, the underlying documentation must comply with both the FDCPA and Texas Property Code. An itemized statement of charges that does not meet Texas Property Code requirements may be a basis for disputing the debt.

What NCAC Cannot Do Under Federal and Texas Law

The FDCPA and Texas Fair Debt Collection Practices Act apply to NCAC. Under these laws, they cannot:

• Send first communications without mandatory FDCPA validation language: Subject of the 2017 Hayes class action.
• Refuse to provide written balance documentation while collecting payments: A documented BBB complaint.
• Report apartment charges that do not comply with Texas Property Code: A state law requirement for Texas apartment debt.
• Continue reporting without providing the original contract when requested: A documented BBB complaint.
• Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.

File complaints at consumerfinance.gov. Texas residents can also file with the Texas Attorney General’s Consumer Protection Division.

Verify the Move-Out Charges Before Paying

Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original property management company, the property address, an itemized list of all charges, the move-out inspection report, and the signed lease agreement.

For Texas apartment debt, also request confirmation that the itemized statement complies with Texas Property Code Section 92.

How to Check Your Credit Report for NCAC Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the original apartment complex identified? Is the balance consistent with your lease terms and any move-out documentation? Was prior written notice provided before the account appeared?

Any inaccuracy is grounds for a dispute with each credit bureau.

How Long Can NCAC Legally Pursue the Debt?

Texas has a 4-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside.

Your Options for Resolving an NCAC Account

Once you have verified the charges:

• Go to the original property manager: NCAC collects on behalf of apartment clients. The property manager controls the underlying account and its documentation.
• Request all balance information in writing: NCAC’s documented refusal to provide written balances makes certified mail validation essential.
• Check Texas Property Code compliance: For Texas accounts, the itemized charges must meet state property code requirements.
• Dispute if inaccurate: If charges are unsupported or prior notice was not provided, dispute with all three credit bureaus.

How to Contact National Credit Audit Corporation

Handle all communication in writing:

• Address: National Credit Audit Corporation, LLC, 12770 Coit Road, Suite 1000, Dallas, TX 75251
• Mailing address: PO Box 515489, Dallas, TX 75251
• Phone: (800) 779-4894

Bottom Line

NCAC is a Dallas apartment debt collector connected to First Advantage and Resident Data, which also runs tenant screening. An NCAC collection can affect future rental applications beyond its credit score impact.

Their most documented issues are sending collection emails without required validation notices and refusing to provide written balance documentation. Send all requests by certified mail and preserve any email that lacked your dispute rights disclosure.