Who is National Service Bureau?
National Service Bureau, Inc. (NSB) is a third-party collection agency located in Bothell, Washington. They act on behalf of creditors to reclaim unpaid debts.
If you’ve forgotten to settle a bill and your account has fallen into arrears, you could find NSB appearing on your credit report as a collections account.
Who does National Service Bureau collect for?
The National Service Bureau offers their debt collection expertise to a broad range of sectors. These include education, commercial entities, financial institutions, insurance companies, medical facilities, property management firms, and telecom & utility providers.
Is National Service Bureau legit or a scam?
National Service Bureau is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove National Service 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.
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National Service Bureau, Inc. Contact Information
Address:
National Service Bureau, Inc.
18912 North Creek Parkway, Suite 205
Bothell, WA 98011
Phone number: (800) 798-1674
Should I contact or pay National Service Bureau?
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 Credit reports can contain errors or list debts that are no longer valid.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 National Service Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like National Service Bureau on behalf of their clients.
Will National Service Bureau sue me or garnish my wages?
National Service Bureau, as with other debt collection agencies, has the authority to initiate legal action against individuals to recover unpaid debts. If they file a lawsuit and the court rules in their favor, wage garnishment could be used as a method to collect the debt. However, this kind of action is typically viewed as a last resort in the collection process.
National Service Bureau, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 National Service 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 National Service 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.
- National Service Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- National Service Bureau 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.
- National Service Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove National Service Bureau From Your Credit Report Today!
Credit Saint offers assistance with disputing National Service Bureau collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
