National Credit Systems Credit Report Errors

The Kim Law Firm represents consumers whose accounts are being reported inaccurately on their credit reports by National Credit Systems. If National Credit Systems is reporting a debt that is not yours, one you already paid, or one that is otherwise wrong, that can cost you loans, housing, and jobs — and the Fair Credit Reporting Act gives you the right to force it corrected and to recover damages. This page is for people who believe National Credit Systems is reporting something wrong about them; if you simply owe a debt and want to arrange payment, that is not a claim we handle.

Who is National Credit Systems?

National Credit Systems, Inc. (NCS) is an Atlanta-based debt collector that specializes in apartment and rental-housing debt, which it reports to the credit bureaus and uses to pursue former tenants.

Is National Credit Systems reporting an account incorrectly on your credit report?

These are the National Credit Systems reporting errors we help consumers fix:

• An account that is not yours — a debt that belongs to someone else, often from a mixed credit file.
• Identity theft — a fraudulent account opened in your name that National Credit Systems is now collecting or reporting.
• A debt you already paid or settled that is still reporting a balance owed.
• Wrong balance, status, or dates, including a debt re-aged to look newer than it is.
• Duplicate reporting of the same debt by National Credit Systems and the original creditor.
• Continued reporting after you disputed it, where National Credit Systems failed to correct or verify the information.

How to contact National Credit Systems

If National Credit Systems is collecting a debt from you or reporting one on your credit file, you can reach the company directly to dispute the debt or request validation:

• Mailing address: National Credit Systems, Inc., P.O. Box 312125, Atlanta, GA 31131
• Phone: 1-800-627-1750
• Online: nationalcreditsystems.com

Under the Fair Debt Collection Practices Act, you can send a written dispute or validation request within 30 days of first contact, and the collector must pause collection until it validates the debt. If it is also reporting the account to the credit bureaus, the Fair Credit Reporting Act requires accurate reporting and a reasonable investigation of any dispute. Keep copies of everything you send.

National Credit Systems and consumer-protection law

National Credit Systems is regularly sued under the Fair Debt Collection Practices Act — for example, in Woods v. National Credit Systems, Inc. — and generates a large volume of consumer complaints, particularly over apartment and rental debt reported to the credit bureaus. If NCS is reporting a debt about you inaccurately or collecting one that is not yours, you may have rights under the FCRA and FDCPA. Sources: National Credit Systems litigation news and CFPB complaint database.

Who we can help — and who we can not

We represent consumers harmed by inaccurate credit reporting. If National Credit Systems is reporting an account that is not yours, that you paid, or that is otherwise wrong, that is exactly the kind of Fair Credit Reporting Act violation we handle — and if National Credit Systems’s collection conduct also broke the law, the Fair Debt Collection Practices Act may apply too. We are not the right firm if the debt is accurate and yours and you simply want to settle it or arrange a payment plan.

How The Kim Law Firm helps

If you have disputed a National Credit Systems account and it has not been corrected — or the inaccurate reporting has already cost you — we can help. We hold debt collectors and the credit bureaus accountable under the FCRA and FDCPA: we demand the error be fixed and pursue compensation for the harm it caused. You pay nothing out of pocket; we are paid through the statutes’ fee-shifting provisions and any recovery, not by you.

Frequently asked questions about National Credit Systems

Can I sue National Credit Systems for inaccurate credit reporting? Yes. If National Credit Systems reported inaccurate information and failed to correct it after a reasonable dispute, you may have a claim under the FCRA.

What if the debt is not mine at all? Report it as not yours — it may be a mixed file or identity theft, both of which we handle.

How much does it cost to hire you? Nothing out of pocket. FCRA and FDCPA cases are handled so the collector and bureaus — not you — pay the attorney’s fees when we succeed.

What should I gather before calling? Copies of your credit reports showing the National Credit Systems entry, any disputes you sent, and any responses you received.