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Are you constantly getting letters in the mail, phone calls at work, and weird robocalls, by a company named “National Credit Service”?
If you are, then don’t fret because this article may be just what you need. To understand why you are getting these calls in the first place, you need to know who National Credit Service is.
What is National Credit Services (NCS)?
National Credit Service (NCS) is a debt collecting agency that focuses on recovering lost credit for their clients. Thus, if you are getting contacted by them, then it is because they have become aware of an unpaid bill living on your account.
Even though the constant messaging can be beyond provoking, that is not the only way they try to get your attention. Like most debt collecting agencies, NCS also leaves a “collections account” located on your credit report.
That may not sound alarming, but just know this negative entry can result in the immediate decay of your credit, leaving your credit score in critical condition.
Fortunately, this article acts as your own financial North Star to get you back on the road to a healthier credit score. Below, we have provided you with a straightforward guide on how to remove National Credit Services from your credit report.
Is National Credit Services a legitimate company?
National Credit Services is a legitimate company that was established in 1995 and is currently headquarters in Bothell, Washington.
NCS is a large debt collector with highly skilled employees. Their main credit recovery clients are those who are specifically looking to recover health care, retail, commercial, and government debt. If you have any of those debts listed on your account, then it might not be a shock if they start contacting you.
With that said, NCS is a real company, and you need to take them seriously.
How to Remove National Credit Services from your credit report (4 Simple Ways)
If you follow this step-by-step guide, we have provided for you, you should be on your way to removing NCS from your credit report.
When dealing with NCS Collects, please move fast, and do not let their entry linger on your credit report for too long- it will only damage your credit score more.
1. Try A Credit Repair Company
The best solution for a problem like this would for sure be to hire a credit repair company that will communicate with NCS on your behalf.
NCS, like most debt collecting agencies, is aggressive, which is more than enough to make you feel anxious about contacting them. National Credit Services is notorious for messing up billings/collections and can easily fool you if you are not properly informed.
When you hire a credit repair company, you no longer have to personally deal with NCS. The best credit repair companies will handle everything for you. They will file disputes on your behalf, provide tailored credit advice, and will protect your consumer rights under the Fair Debt Collection Practices Act (FDCPA).
2. Send a Debt Validation Letter
If you don’t want to hire a credit repair company, then the next best course of action is to request debt validation.
To do this, you need to write National Credit services a debt validation letter. Essentially, when you send a debt validation letter, you are asking NCS to respond with proof that the debt belongs to you.
Debt collection agencies wrongly assign debt all the time, sometimes it is purposely to gain extra profit, and other times it is an accident.
You should never hesitate to confirm that a debt belongs to you before paying a debt collector.
When NCS responds to your letter, they need to provide sufficient proof that the debt is yours. If they cannot provide proof, then by law, National Credit Services has to remove the collections account from your credit report. However, if they do provide evidence, then you need to try another strategy.
Remember, sending a debt validation letter is time-sensitive. You only have 30 days, after the first contact, to send your debt validation letter. Once that period has ended, NCS is no longer required to honor your debt validation request.
3. Request Goodwill Deletion
Asking for goodwill deletion is a strategy you can employ if all else fails. When you request goodwill deletion, you are asking NCS to remove their entry from your credit report. Honestly, you are asking them to do you a favor, which is why this strategy rarely works.
When has a debt collector ever done a favor for anyone?
4. Negotiate a settlement
Negotiating a settlement is another strategy you can use to remove NCS from your credit report. This is also known as a pay-for-delete. Here is how it works.
With a “pay for delete,” you agree to pay National Credit Services (NCS), but in exchange, they must remove the collection account from your credit report.
While this sounds unfavorable, there is a “bright side” to this option. Debt collection agencies rarely ask you to pay the debt in full. Like most debt collectors, NCS most likely bought your debt for pennies on the dollar.
Offer to pay at least 50% of your original debt. This is a great starting point. Once you both agree on a settlement, draft up a contract and make sure both parties sign it.
This will protect you in case negotiations turn south.
Leverage Your Consumer Rights
When dealing with debt collection agencies, it is important to know your rights and use them to your advantage. There are certain things NCS is just not allowed to do. As a consumer, you have a long list of rights protected under the Fair Debt Collections Practices Act (FDCPA).
These rights are essential to keep in mind, especially if you are going through this journey alone.
Debt collectors are prohibited to:
- Call you at a time you have stated was inconvenient
- Call you before 8:00 am or after 9:00 pm
- Call family and friends and reveal they are debt collectors
- Address you with profanity
- Call you at work if your employer doesn’t allow it
- Lie to you about their identity and the cost of your debt
- Call you if you have already asked, in writing, for them to stop
National Credit Services Consumer Complaints
Like most debt collectors, National Credit Services (NCS) has quite a few complaints against them. Most consumers complain about inaccurate reporting, poor customer service, and routine billing errors.
Can National Credit Services Sue me?
Unfortunately, NCS can sue you. However, it is uncommon. Civil litigation is expensive, and National Credit Services is a for-profit business. They need to limit their expenses. Unless you owe them thousands of dollars, then going to court most likely will not happen.
To stay on the safe side, keep in contact with an attorney.
Can you remove National Credit Services from your Credit Report?
Yes, you can remove NCS from your credit report. As a consumer, you can either hire a credit repair company, request debt validation, ask for a goodwill deletion, or negotiate a pay-for-delete.
Bottom Line: National Credit Services (NCS)
Getting sucked into the whirlpool of debt is nothing to be ashamed of. Honestly, it happens to the best of us. Instead of hollowing yourself in pity, take control of your finances, and do not let NCS get the best of you.
Having a low credit score is painful to deal with. Fortunately, you can remove National Credit Services from your credit report and take the necessary steps to build your credit.