How to Remove NCC Business Services From Your Credit Report
Nationwide Credit Corporation (NCC) is one of the premier collection agencies in the country. Getting a can be a challenge, but DoNotPay is always up for a challenge!
has been working in the collection industry for more than 50 years. When they place a credit report of a collection action on your credit report, it can be difficult to get it removed. Fortunately, they are not as unreasonable as some of their competitors who will try to find ways around a credit dispute. When a notation of a collection action is reported to credit bureaus, it will negatively affect your credit score, and it can stay on your report for up to seven years. There are ways to get it removed. For example, if you pay off what you owe, and request that the incident be removed from your report, you do have a good chance of being successful.
Your credit report is critical to how you are able to live your life. Your credit report is who tells credit card companies if you are worthy of having and using their products. Your credit score tells the car dealership whether you are worthy of a low-interest rate vs being able to finance a vehicle at all. Your credit report comes into play whenever you apply for a mortgage or go to rent a house or an apartment. Unfortunately, any time that one of these companies makes an inquiry into your credit report to see if you are credit-worthy, it has the nasty side effect of driving your actual credit score down.
Bad things do happen, and collection actions can be taken against the best of people for not paying their bills on time. Many times, it is a simple oversight that will land someone in collections. In those cases, the person pays their overdue bill, gets the notation removed and everyone goes on their merry way. For others, there might be a lengthy illness where there are outstanding medical bills that they just cannot afford to pay. With these people, their credit report will have numerous collection notations and they will have to survive life with a low credit score.
Some people can never get out of the cycle of not being able to pay their bills, being sent to collection, and ending up in far worse situations. Of course, there is always the bankruptcy option that gives them a fresh start, but you can only do that so many times in a lifetime. One thing about collection actions is that there are ways to get them removed from your report as not all collection agencies can prove that the debts they are trying to collect are valid. Many times, filing a credit dispute letter requesting a validation of debt letter is all it takes to get a collection removed. If you have trouble with these actions, you can always ask DoNotPay for help cleaning up your credit report.
What Is Nationwide Credit Corporation (NCC) Services?
NCC is one of the largest collection agencies in the United States.
NCC is based out of Alexandria, VA, and has been in business since it was founded more than 50 years ago. What started as a simple collection agency with a single hospital as a client has grown. These days, NCC provides collection services for healthcare, utility companies, legal, the government, and credit union sectors. They do things a different way from other collection agencies as they truly do care about the consumers they are collecting from. They have developed credit education courses to help those consumers avoid the trap of collections in the future.
They originally began as a third-party collection agency, and that part of their business is still central. They have expanded into first-party collections, credit reporting, letter services, skip tracing, and special products to offer a full range of financial services. They place staying in compliance with the Fair Debt Collection Practices Act (FDCPA) as a driving force behind their success. They believe that the best outcomes come from taking care of both their customers and the consumer.
You can reach NCC Business Services through
|Address||PO Box 15630
Wilmington, DE, 19850
What Should I Look For When Disputing an Item on My Credit Report?
If an item on your credit report seems to have the wrong information, you can file a credit dispute.
Types of information that you can dispute on your credit report include
- The debt is too old and any current collection actions take place outside the statute of limitations for their state.
- The debt was paid in full.
- The amount of the original debt is incorrect.
- The account does not belong to you.
Strategies for Successful Credit Report Dispute
When it comes to disputing an item on your credit report, there is more than one path to a successful dispute.
When a collection item is reported, it is sent to the three credit bureaus who track and compute your credit score. Experian, Equifax, and Transunion are responsible for tracking the credit and computing the credit scores of millions of people. These are the entities responsible for assembling your credit report. If you have items on your report that need to be disputed, these are some of the things you can do about it:
- Contact this initial creditor to confirm the dates of service and amounts.
- Contact the collection agency that is reporting the item to dispute the information.
- Contact the three credit bureaus and file a dispute with each of them.
- Contact DoNotPay for assistance.
How to Get a Disputed NCC Collection Item Removed from Your Credit Report By Yourself
To clean up your credit report, you need to get any disputed NCC collection items removed from your credit report.
To get a disputed item from NCC removed from your credit report by yourself, you can
- Get a copy of your credit report and carefully review all of the negative items.
- Find the original bill for these items.
- Check the bill against your checkbook to see if that bill was paid.
- Become frustrated when you realize you actually did not pay the bill, or
- Discover that you did pay the bill but you paid it late, or
- Realize that the bill was not yours to begin with, or
- Realize that the amount of the actual debt and the amount that you are reportedly being charged for seem to exist in separate solar systems.
- After blowing the dust off the original bill, realize that it is long past the statute of limitations for your state.
- Pace around the room.
- Call the original creditor and explain your problem on their voicemail.
- Wait a week to hear back from them, only to be told that your account was sent to a collection agency with no further explanation.
- Look up how to dispute an item with the credit bureaus.
- Follow the online instructions for Experian to file a dispute.
- Follow the online instructions for Equifax to file a dispute.
- Follow the online instructions for Transunion to file a dispute.
- Wait one month and realize that the debt is still on your credit report.
- Look up how to write a validation of debt requests for NCC.
- Write several drafts until you are satisfied.
- Send the letter and wait for a response from NCC.
- Following their response, contact NCC and ask for options.
- Get frustrated and go online and search DoNotPay for assistance.
Next Steps When You Cannot Remove the NCC Item From Your Credit Report On Your Own
Dealing with collection agencies is never painless, even when you are dealing with one of the 'good guys' in the collection agency world.
When you realize that it is impossible to remove an item from your credit report, you can do one of these things
- Retain an attorney to look into the situation.
- Go to legal aid for advice on the situation.
- Ask your neighbors what to do.
- Go to DoNotPay to get real help.
Remove the NCC Credit Report Item With Help from DoNotPay
When you realize that you need help with your credit report dispute, DoNotPay is right there to help you out.
If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!
Why Use DoNotPay for NCC Business Services?
- Fast- You don’t have to spend countless hours looking for solutions to have NCC Business Services removed from your credit report.
- Easy- Tedious forms are a thing of the past. Three steps and DoNotPay will start the ball rolling.
- Successful- You can rest assured that DoNotPay advocated for you and is making the best case for you.
What Else Can DoNotPay Do?
There are so many different ways that DoNotPay can help you solve problems. Here are just a few of them
- Get help with credit card issues.
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- Discover how to file a complaint against anyone.
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Those are just the tip of the iceberg. Visit DoNotPay today and start clicking on those things you need help with the most.