For millions of Americans, relentless calls from debt collectors have become a normal part of every day life – but there are solutions to put an end to the harassment and get National Credit Systems removed from your credit report. It starts with knowing your rights as a consumer and what steps you can take to combat their unfair tactics. Keep reading for additional information.
National Credit Systems – also known as Natlcrysys – is an Atlanta, Georgia-based debt collection agency that was established in 1991 – and despite their bad reputation, the company is legally authorized to collect debt throughout the United States. They can be reached using the following contact information:
Yes. National Credit Systems is legally allowed to collect on unpaid debts. Although they’re not technically a scam, they’re not accredited by the Better Business Bureau (BBB), and they currently have a score of D with a star rating of 3.49 from 82 reviews. According to customer reviews found on Google, NCS has received a rating of 2.1 out of 535 reviews.
The most common complaints raised by customers include rude or unprofessional representatives, failure to validate debt, entering wrong debt information into the credit report, and unsuccessful attempts at collecting debts that were already paid off.
Many customers have reported experiencing various levels of harassment from NCS personnel when attempting to resolve these issues, which can be extremely stressful for those involved.
NCS’s questionable practices have also been brought up in court cases as well as by financial advisors. One such case was in 2013 when NCS was accused of collecting false debts from consumers and engaging in deceptive advertising practices. This shows that even though the company does have legal authority to operate within the United States, their actions may not always be ethically sound.
If National Credit Systems is calling you, chances are you owe on a debt – even if you weren’t previously aware of it. Sometimes failure to receive a bill can result in unexpected collections accounts, but there are also cases where collectors attempt to extract money from a consumer based on inaccurate information. Here are a few circumstances where NCS has tried to collect on debts unwarrantedly:
If there’s any chance that you don’t owe on the debt – and as a best practice – you should contact our firm at Fair Credit. We can help you to dispute errors and get them off of your report.
National Credit Systems IS allowed to attempt to collect on unpaid debts – what they are NOT allowed to do is harass or abuse you. The Fair Debt Collection Practices Act (FDCPA) clearly outlines acceptable and unacceptable behavior when it comes to collections activities. These include, but are not limited, to the following:
If you think National Credit Systems has violated your rights, it’s important to hold them accountable. While filing complaints through available channels can be cathartic, it’s unlikely to yield meaningful results. The best way to get National Credit Systems’ attention if they’ve violated your rights is by filing a lawsuit. This should be done after carefully compiling evidence against the company and under the guidance of an experienced attorney.
If National Credit Systems appears on your credit report, it’s important to understand the impact collections can have on your credit score. Generally speaking, a debt entry from NCS will remain on your report for seven years. During this period, if the debt is not resolved it could affect your ability to obtain credit cards or loans due to the weight given to residential real estate collections.
There are steps that can be taken beyond filing a complaint or taking legal action to resolve any damage caused to your report by National Credit Systems – including negotiating with them directly to resolve the matter to mitigate the damage to your credit score.
You could also ask the creditor who reported the debt originally for an “amnesty letter” that would clear the debt from your record and restore some of your financial reputation and integrity.
While these steps have proven effective, you’re more likely to be successful if you solicit professional help. Working with an attorney familiar with consumer protection laws can help you achieve full resolution of any issues caused by NCS's improper behavior.
At Fair Credit, we're dedicated to finding solutions tailored specifically to each individual and empowering them with the knowledge they need to make smart financial choices – without ever charging a fee! So don't hesitate – get in touch today for a free case review and start taking back control over your finances!