Dena Standley | October 19, 2022
Summary: Is National Credit Systems suing you for a debt? SoloSuit can help you take a stand and win in court.
Did National Credit Systems contact you recently? Have they entered the debt in your credit report? If so, you may have an unpaid rent balance owed to a landlord. National Credit Systems Inc is a legitimate third-party collection agency specializing in collecting for the multifamily residential industry.
It is best not to ignore National Credit Systems (NCS) because their presence in your credit report harms your credit score. Collection agencies tied to unpaid housing debt have a more substantial weight on your credit report than other collection activities.
Despite the ability NCS has to hurt your credit score, you can still beat them and have the credit removed from your credit report by knowing your rights. The Fair Credit Reporting Act protects you from unfair credit reporting. It allows you to request National Credit Systems to prove ownership and accuracy of the debt or have it removed from your credit report. Today, we will look at how you can remove the debt from your credit report. But first, how genuine is NCS?
National Credit Systems is one of the leading debt collection agencies that collect debt for apartment owners or managers. The company started in 1991 and is based in Atlanta, Georgia. They have a legitimate license allowing them to collect debt throughout the United States.
Ironically, NCS is not Better Business Bureau (BBB) accredited. It has a BBB rating of D and a star rating of 3.49 from 82 recnt customer reviews. Their Google rating is 2.1 from 535 customer reviews. The complaints from these platforms include:
3750 Naturally Fresh Blvd
Atlanta, GA 30349
P.O. Box 312125,
Atlanta, GA 31131
(404) 629-9595, Toll-Free: 800-367-1050
A debt entry by NCS in your credit report remains there for seven years. You will experience difficulty getting a credit card or asking for a loan because of the weight given to residential real estate collections. Here are steps you can take to remove the debt from your credit report.
Write a letter of goodwill deletion if you have paid the debt but NCS has not removed it from your credit report. Collection agencies are legally allowed to either change the status to paid or delete the debt after payment.
A paid status on your credit report still limits your chances of getting a loan because it still shows you previously had an unpaid debt. Requesting for goodwill deletion involves explaining the reason for delayed payments and why you would like the paid debt deleted.
Make the request politely and refrain from demanding deletion as they are still operating within legal grounds by having it on your credit report with a paid status.
If you have not paid the debt because you doubt whether you owe NCS or the debt amount is inaccurate, send SoloSuit's Debt Validation Letter to get more details. Even if you recognize the debt, sending a Debt Validation Letter is a good idea to ensure that National Credit Systems has complete and accurate information about the debt. It is common for debt information to get lost or mixed up as it moves from the original creditor to collection agencies.
Send the Debt Validation Letter within 30 days of the first contact from NCS for the request to be considered valid. National Credit Systems should respond with a debt validation that includes a breakdown of the debt, more information on the original creditor, and a statement allowing you to dispute the debt.
Go through the validation document carefully, and if you notice discrepancies, request NCS to correct the errors or remove the debt from your credit report. If they fail to respond, dispute the debt with the credit bureaus.
The law allows you to receive a free credit report once a year from Equifax, Experian, and Transunion. Contact each credit bureau within 30 days after receiving the validation notice and ask for your credit report.
Check for the errors you saw on the NCS validation document on your credit report, highlight them and dispute the debt online, by mail, or via phone call using the following contact information:
Credit Bureau Contact Information
P.O. Box 4500 Allen, TX 75013
P.O. Box 2000 Chester, PA 19016
P.O. Box 740256 Atlanta, GA 30374
These credit bureaus have 30 days to investigate and correct or remove any incomplete, inaccurate, or unverifiable information.
Collection agencies sometimes agree to settle for a payment less than the original debt amount either due to the financial inability of the consumer or the age of the debt. Once you confirm the debt is accurate and rightfully yours, you can approach NCS and make a settlement offer.
Start the settlement negotiation process by sending a Debt Lawsuit Settlement Letter to National Credit Systems. The agreement should be done in writing, and NCS should mail you a letter stating that they have accepted a reduced amount of the debt and will remove it from your credit report.
Give NCS a month after you have paid to fulfill their end of the agreement and check your credit report for confirmation that they have removed the debt. Here are some tips for negotiating a settlement that is most ideal for you:
The first step after receiving a lawsuit is to draft an Answer and send it within the 14–30 day deadline. SoloSuit can help you draft an Answer for free within minutes. We can also have an attorney review the document and file it with the courts at a small fee.
Here are 6 helpful tips for drafting a winning Answer:
Learn more about these 6 tips from SoloSuit's CEO, George Simons, who breaks each one down in this video:
If you wish to settle the debt outside the court, you can also send SoloSuit's Motion to Compel Arbitration after sending your answer. This letter allows you to settle the debt via arbitration instead of going to court.
SoloSuit can assist you in filing an Answer and send a Motion to Compel Arbitration in all 50 states.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
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