Who is NCC Collections?
NCC Collections, also known as Nationwide Credit Corporation or NCC Business Services, is a debt collection agency based in Alexandria, Virginia.
Its name may appear on your credit report if you have an outstanding debt that has been passed onto them. This typically occurs when a bill or payment has not been settled, leading to a default.
Who does NCC Collections collect for?
NCC Collections handles debt recovery for diverse sectors. These include commercial receivables for unpaid business debts, credit union debts involving loans or credit cards, and government debts such as unpaid taxes or fines. They also manage medical bill collections for healthcare providers, and unpaid utilities such as gas, electricity, water, and telecommunication services.
Is NCC Collections legit or a scam?
NCC Collections 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 NCC Collections 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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Nationwide Credit Corporation (NCC) Contact Information
Address:
Nationwide Credit Corporation
5503 Cherokee Ave. Ste 100
Alexandria, VA 22312
Phone number: (703) 776-9260
Should I contact or pay Nationwide Credit Corporation?
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 Credit reports can contain errors or list debts that are no longer valid.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 Nationwide Credit Corporation is to work with a credit repair professional. They help remove millions of negative items every year from companies like Nationwide Credit Corporation on behalf of their clients.
Will NCC Collections sue me or garnish my wages?
NCC Collections has the legal right to pursue various methods to collect a debt according to the law. These methods may include reporting the debt to credit reporting agencies, contacting the debtor through phone calls and letters, or even filing a lawsuit.
If NCC Collections decides to file a lawsuit and they win the case, they might have the right to garnish your wages or levy your bank account depending on the state laws.
However, it’s important to remember that many collection agencies prefer to avoid legal action if possible, as it can be expensive and time-consuming. They might be open to setting up a payment plan or negotiating a settlement.
Nationwide Credit Corporation 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 Nationwide Credit Corporation
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 Nationwide Credit Corporation 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.
- Nationwide Credit Corporation cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Nationwide Credit Corporation 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.
- Nationwide Credit Corporation cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove NCC Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Nationwide Credit Corporation 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.
