National Credit Adjusters on Your Credit Report? Fight Back and Win

Last Updated:
April 22, 2023

Wondering why National Credit Adjusters is reaching out to you? Here, we provide an overview of the debt collection company so you can have a better idea of how to deal with them when you receive a phone call from one of its representatives.

Is National Credit Adjusters a Legitimate Company?

It’s easy to assume that National Credit Adjusters is a scam or a fake company trying to squeeze out money from you- especially when you have questions about the debt they’re trying to collect. However, this is a legitimate debt collection company that buys debts from other creditors and addresses them accordingly.

If you’re suspicious about their calls or think the debts they want to collect from you are unvalidated, you may contact us so we can address the concern.

Why is National Credit Adjusters Contacting Me?

National Credit Adjusters will contact you for one straightforward reason — to collect debts. However, you have the right to dispute this if you think there’s something off about the situation. The debt collection company is governed by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and these can play on your side if you understand them well and know how to use them in your favor.

If National Credit Adjusters continues to spam you with calls in an attempt to collect debts, you can choose to ignore the calls and contact us for the best way to remove the account. The debt collection company is not likely to sue, especially since state and federal laws have limits and exemptions for wage garnishments.

If you feel like you’re experiencing harassment due to their non-stop phone calls, you may opt to answer the calls anyway and address the root of the issue.

How to Take Calls From National Credit Adjusters

Should you negotiate a settlement with the debt collection agency? You can definitely do this, but the answer to whether it will help or hurt your score depends on the situation. If you get to the bottom of the issue and discover that there are issues or errors with the credit account, you might not even have to pay at all.

However, remember that the best way to figure this out is to communicate with a representative of National Credit Adjusters first. Although there are various legitimate reasons to believe online reviews about the company, it’s still best to experience it first-hand so you can gauge the situation you’re dealing with.

Here are some pointers on how to handle debt collection calls successfully:

  • Decide if you want to talk with the collector. But only after you learn about your legal rights and statutes of limitations and whether the debt is yours.
  • Keep a collections log or a written record of every call. This should include the date, time, name of the caller, and the matters discussed over the call.
  • Let the collector know as soon as possible if you think that debt isn’t legitimate and if you can’t pay for it. This would make the process simpler.
  • Send an email or a written letter to the collector if you want to request them to stop calling you . This is a suitable option if you are filing for bankruptcy.

If all else fails, contact our credit repair team for assistance.

How National Credit Adjusters Affects Your Credit Score

National Credit Adjusters — or any other legitimate debt collection agency, for that matter — does not automatically have a negative impact on your credit score. A collection account will only severely negatively affect your credit score if there are any derogatory marks under the statute of limitations.

Got a National Credit Adjusters collection account on your credit report and thinking about how you can remove it? This is only possible if you can prove that any of the account information is incorrect or fraudulent — credit reports are not immune to errors and mistakes, after all.

You can also opt to pay off the debt collector in order for credit bureaus to delete their account from your credit report. However, this doesn’t actually remove the record. By paying a debt in collections, you would be changing the report status from unpaid to paid, and it will still affect your report for several years.

We offer a solution that removes your collection and keeps your credit score high.

Who Does National Credit Adjusters Collect Debt For?

As a debt collection company, National Credit Adjusters can take charge of reporting collection accounts on your credit report. There are instances where they purchase the debt from a credit card company or whoever the original creditor is. Alternatively, they could simply be getting paid to collect debt on behalf of another company.

Debt collection agencies don’t always disclose the specific companies they collect for — they respect the privacy of their clients, especially those that wish to remain discreet or maintain a low profile in their daily operations.

However, National Credit Adjusters does service companies in various industries, including the following:

  • Auto loans
  • Consumer loans
  • Credit cards
  • Fintech finance
  • Lease to own
  • Retail credit
  • Short-term loans
  • Other consumer credit

While collecting debt for companies in these industries or for themselves, the company  might try to communicate with you via phone calls and traditional mail. Its collection account might also appear on your credit report — in which case your credit score could be impacted and hurt your chances of getting loan approval in the future.

The good news is that it’s possible to get this collection account removed if you negotiate correctly or work with an established credit repair team that takes a tried-and-tested approach.

Got Questions Or Concerns?

If you think National Credit Adjusters is mistakenly or falsely accusing you of owing a debt, give us a call so our team can assess your situation and provide suitable suggestions on how to proceed. You may also contact us for assistance if you acknowledge that you owe a debt and are unsure of how to pay it back.

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