Is First National Collection Bureau Hurting Your Credit?

Who is First National Collection Bureau?

First National Collection Bureau, Inc. (FNCB) is a debt collection agency based in Reno, Nevada. Their role involves managing and collecting debts that individuals have failed to pay.

If you have an unpaid bill or financial obligation, you may see FNCB listed on your credit report as a collection account.

Who does First National Collection Bureau collect for?

First National Collection Bureau caters to multiple sectors, handling various types of debts. They manage debts from auto loans, credit cards, retail cards, and judgments confirmed by court rulings. They also work on unpaid telecommunications accounts and other types of past-due accounts.

Is First National Collection Bureau legit or a scam?

First National Collection Bureau is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s always advisable to verify any debts claimed by FNCB or any other debt collection agency before proceeding with payments.

How can I remove First National Collection Bureau from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

First National Collection Bureau, Inc. (FNCB) Contact Information

Address:

First National Collection Bureau, Inc.
50 W Liberty St. Ste 250
Reno, NV 89501

Phone number: (800) 824-6191

Should I contact or pay First National Collection Bureau, Inc.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with First National Collection Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like FNCB on behalf of their clients.

Will First National Collection Bureau sue me or garnish my wages?

First National Collection Bureau (FNCB) does have the legal right to sue for unpaid debts. If they win a judgment against you, they could potentially garnish your wages, subject to the laws in your state.

However, it’s essential to note that such actions are generally a last resort. Most collection agencies, including FNCB, prefer to work out a payment plan with debtors to avoid the cost and time involved in court proceedings.

First National Collection Bureau, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with First National Collection Bureau, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for First National Collection Bureau to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• First National Collection Bureau, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• First National Collection Bureau, Inc. must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• First National Collection Bureau, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove FNCB Collections From Your Credit Report Today!

Credit Saint offers assistance with disputing First National Collection Bureau accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Credit Saint.

Visit their website or call (855) 281-1510 for more details.