Credit

Steps To Remove National Credit Systems From Your Credit Report

Summary: Step-by-step guide on how to remove National Credit Systems collection agency from your credit report.

If you ever missed your rent payments, your landlord may have sold your debt to National Credit Systems. This isn’t a good thing since National Credit Systems is a debt collection agency that reports the collections to all three credit bureaus.

What does this mean for you?

If National Credit Systems is on your credit report, it will likely hurt your credit score and makes future lenders wary of lending you money.

The good news is you can remove National Credit Systems from your credit report with a few simple steps. Let’s get into it.

What is National Credit Systems?

National Credit Systems is a debt collector based in Atlanta, Georgia. They collect debts primarily for apartment complexes and landlords in general.

While National Credit System is a legit collection agency, like almost all debt collectors, they have hundreds of customer complaints with the Consumer Financial Protection Bureau and the Better Business Bureau. Needless to day, dealing with National Credit Systems will likely not be very pleasant.

Luckily, there are ways to avoid dealing with debt collectors such as National Credit Systems.

How to Remove National Credit Systems From Your Credit Report

When National Credit Systems purchases a debt from an original collector, there is goal is to collect the full amount from you and make a profit. In the process of doing this, a negative “collection account” will likely be added to your credit report.

This collection account will significantly impact your credit score in a negative way. Therefore, it’s wise to do whatever you to remove the collections account from your credit report.

There are two main routes you can take to accomplish this. There is what’s called “do-it-yourself credit repair”, or you can employ a credit repair company to remove the negative items.

First, I’ll outline which methods you can use for the do-it-yourself route, then I’ll show you how to get in contact with a reputable credit repair company.

Write a Debt Validation Letter

Your first step if you hear from National Credit Systems is to ask them to validate the debt. You have to do this within 30 days from the debt collector first phone call or letter they send.

When you let too much time pass, you won’t be able to ask for validation and have the collections account removed that way.

Debt validation simply means you send National Credit Systems a letter requesting that they validate the debt. In your request, ask the following:

  • Who is the landlord that sent the debt to you?
  • How much is the debt for?
  • What address is the debt for?
  • What were the dates of missed payments?
  • Do you have the right to do business in my state?

Ask as many details as you can for National Credit Systems to answer. If they don’t or can’t validate the requests you make, you can dispute the debt with the credit bureaus and have it removed.

This doesn’t remove the obligation to pay the debt, though, so keep reading to see how to take care of the debt.

Request a Pay-for-Delete

As frustrating as it may seem, getting an entry from National Credit Systems removed may require a payment.

If they validated the debt or you missed the 30-day window, negotiate a pay-for-delete arrangement. This means you ask them for a settlement based on what you can afford to pay along with a request to delete the account from your credit report.

When the debt is quite old, it’s easy to negotiate to pay less than what’s technically owed. However, if the debt is newer, you might have to agree to pay the entire amount before National Credit Systems will agree to remove the collection from your credit report.

Removing it from your credit report eliminates the damage it does to your credit score and future lenders won’t know about the issue. 

If you pay as you said you would, National Credit Systems shouldn’t mind removing the collection account from the credit report. They do that to get leverage against you so you’ll pay it.

Dispute the Debt

Another technique to consider is to simply dispute the collection with the three credit bureaus. The key to being successful with this method is to make sure you go over the negative entry extremely closely and look for any tiny detail that might be incorrect or inaccurate.

Once you have found something that’s inaccurate, dispute it with all three credit bureaus. You can do this either online, or via mail.

Every consumer may dispute their credit when what’s reported is inaccurate or unfair. It’s the law. 

Once you have disputed the collection, there are basically three outcomes. First, it might come back as completely accurate and nothing will happen.

Second, the entry might come back as inaccurate, so they correct the information but the collection still remains and has a negative affect on your credit score.

Third, the dispute could come back as inaccurate, and they remove the collection completely from your credit report. This is the outcome you want. Any other outcome and the dispute was a waste of time.

Have a Professional Remove the Collection

Lastly, if you’re the type of person who would rather have a professional credit repair company handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair.

They’ll take care of you, and honestly they usually get negative items removed quicker than if you try to do it yourself. Give them a call at 1-844-331-6062 or Check out our review of their service.

How to Deal with National Credit Systems

When you’re dealing with a debt collector, it’s best to avoid talking to them over the phone at all costs. You can’t trust a debt collector, so you need to have everything in writing.

National credit systems

It’s a good idea to know your rights as set forth in the Fair Debt Collection Practices Act. These are the rules that debt collectors must follow when they are attempting to collect a debt.

Here are a few important points from the Fair Debt Collection Practices Act. Debt collectors cannot:

  • Harass you or your family.
  • Call you at your place of work.
  • Threaten to have you put in jail.
  • Threaten to take your property.
  • Use profanities.
  • Call you before 8AM or after 9PM your time.

Knowing this rules will also give you the upper hand when dealing with a collection agency, because many of them just assume you don’t know your rights and twist the law to their advantage.

In addition, a good knowledge of this law will allow you to keep emotions out of the communication.

Should I Contact or Pay National Credit Systems?

Generally, you should avoid contacting or paying National Credit Systems until you have all your ducks in a row. In other words, you should create a plan for negotiating removing National Credit Systems collections from your credit report.

Also, avoid dealing with National Credit Systems inc (any debt collector for that matter) over the phone. Again, you need to have a paper trail so it’s best to inform them that you will only communicate via e-mail or snail mail.

How Collections Affect Your Credit Score

Collection accounts on your credit reports will have a significant negative impact on your credit score. However, it depends on what your credit score was prior to the collection accounts.

The higher your credit score, the more of a negative impact a debt collection will have. For example, if your credit score was 760, getting a new collector could drop it down to 680.

However, if you credit score was 660, it might only drop it to 630.

Will National Credit Systems Sue Me?

It’s not uncommon for collection agencies to take legal action in an attempt to collect on a debt. However, they generally want to avoid lawsuits. Therefore, they will likely try to collect the debt from you first.

With that said, this is why it’s important to remove negative items from your credit report as quickly as possible. You want to avoid any kind of litigation if at all possible.

This is another reason why you should seriously consider a legitimate company, such as Lexington Law, to help you take care of your negative items.

National Credit Systems Contact Information

You will need National Credit Systems contact information if you decide to go the do-it-yourself credit repair route.

​Mailing Address
P.O. Box 312125, Atlanta, GA 31131

Phone Number
(404) 629-9595

Website
https://www.nationalcreditsystems.com

Bottom Line

If National Credit Systems is on your credit report, time is of the essence. The longer you let the collection sit there, the more damage it does to your credit score and future chances of getting new credit.

Start with debt validation and if that doesn’t work, figure out a settlement you can afford and that National Credit Systems will accept. If you need help, though, don’t be afraid to hire a credit repair service so you know you have as much protection as possible.