National Credit Adjusters On Your Report?

Last Updated: Apr 05, 2023

  • National Credit Adjusters is a debt collection company (that's likely hurting your credit score)
  • You may be able to remove them from your report, without paying your debt
  • Call us now to find out how!

What Is National Credit Adjusters On My Credit Report?

National Credit Adjusters is a debt collection agency. If you are seeing them on your credit report, it likely means they have purchased your debt from a creditor and are (or will be) attempting to collect it from you.

Is National Credit Adjusters A Debt Collection Agency?

Yes, National Credit Adjusters is a debt collection agency. They buy debt from a number of different creditors that no longer wish to attempt to collect the amount themselves (also known as a "charge-off").

National Credit Adjusters may attempt to reach out via mail or phone calls (demanding payment). The worst part is a collections account will now be seen on your credit report. This hurts your score, as well as reducing your chances of getting approved for a loan or other important financial event.

But it’s not all bad news! We may be able to help you with this account. Call us today to find out more.

Who Does National Credit Adjusters Collect For?

National Credit Adjusters purchases debt from a range of different creditors. The information isn’t always publicly available and is constantly changing, so it’s difficult to provide an accurate and up-to-date list.

Does National Credit Adjusters Hurt My Credit Score?

Yes, it is highly likely having National Credit Adjusters on your credit report is damaging your score significantly.

How National Credit Adjusters Affects Your Financial Future

National Credit Adjusters can have a damaging effect on your finances. Most obviously, having them as an account on your credit report can significantly reduce your credit score and make it difficult to get approved for loans or credit cards, resulting in extra costs due to higher interest rates and fees. They may also continue to hassle you with constant phone calls and letters, creating stress and impacting other areas of your life. Fortunately, there is an effective way to manage National Credit Adjusters and get them removed from your credit report—by using Credit Sage to dispute any errors or inaccuracies that appear on the report, you can take control of your financial future.

Understanding the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA)

It's important to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) when dealing with National Credit Adjusters. The FDCPA sets out guidelines for debt collectors, limiting their contact methods, times and preventing them from using abusive language; while the FCRA regulates credit reporting agencies' collection and reporting of information. Should you believe that your rights have been violated, you can file a complaint with the Consumer Financial Protection Bureau to stand up for yourself. Knowing your rights is key to protecting yourself against unfair or illegal practices by National Credit Adjusters.

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How Do I Remove National Credit Adjusters From My Credit Report?

To be eligible to remove National Credit Adjusters from your credit report, you typically need to meet the following requirements:

  • Any information on the account is incorrect
  • Any information on the account is error’d
  • Any information on the account is fraudulent
  • And is not (or cannot be) fixed in an appropriate amount of time

According to a study by the U.S. PIRGs, 79% of credit reports contain mistakes or serious errors. Going after these types of accounts for our clients is our specialty.

Should I Pay For Delete With National Credit Adjusters?

Paying off National Credit Adjusters to have credit bureaus delete it from your report sounds like a good idea. There's one major problem. Paying a debt in collections changes your credit report status from 'unpaid' to 'paid', but the collection remains on your report for 7 years (from the date of first delinquency). This means your credit is still damaged.

Should I Negotiate A Settlement With National Credit Adjusters?

Settling your debt with National Credit Adjusters could go both ways. It may help your score, but it may also hurt your score. Many variables impact the end result. There is a better path to a good result. Work with a company that is able to review these accounts for you (like Credit Sage), and if any issues with the account exist you may have it removed all together (and never have to hear from them again).

Is National Credit Adjusters Legit, Fake Or A Scam?

National Credit Adjusters is a legitimate company. They aren’t fake or trying to scam you. But it is likely they are spam calling you trying to collect a debt. One of the best ways to deal with this is to dispute and remove unvalidated debts.

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Why Do National Credit Adjusters Keep Calling Me?

National Credit Adjusters continues to call and attempt to collect a debt. The best thing you can do is ignore their calls and speak with a company that can help you get it removed (like Credit Sage).

How To Get National Credit Adjusters To Stop Calling Me?

As we’ve mentioned above, National Credit Adjusters will be calling you to attempt to collect a debt. The best thing you can do to stop this is speak with a company that can help you get them removed from your credit report, like Credit Sage. Once they are off your credit report, you won’t have to hear from them again.

National Credit Adjusters Reviews And Complaints

National Credit Adjusters has terrible BBB reviews. This may come from their repeated calls and letters to consumers trying to collect their debt.

Will National Credit Adjusters Try Suing Or Garnishing My Wages?

National Credit Adjusters suing would be a very unlikely situation. In rare cases it may happen, but it certainly isn’t the norm. State and federal laws place limits or 'exemptions' that apply to bank and wage garnishments.

We strongly recommend calling us, we’ll help determine the likelihood of a lawsuit, but also provide you next steps in getting this collection removed.

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Does National Credit Adjusters Accept A Goodwill Letter To Remove My Collection/Charge-Off?

Based on our years of experience dealing with companies like this, National Credit Adjusters does not accept goodwill letters to remove collection accounts or charge offs.

What Are My Rights When Dealing With National Credit Adjusters?

You have the right to dispute any of your debt that National Credit Adjusters has purchased. National Credit Adjusters is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these acts seem very complicated, they provide a great deal of power to the consumer if you know how to use it properly.

What Is National Credit Adjusters Phone Number?

You likely want to call Credit Sage before deciding whether or not to call National Credit Adjusters. The reason? You may not want to pay National Credit Adjusters debt, especially if it's inaccurate. Paying it off could hurt your score.

Get National Credit Adjusters Removed From Your Report, Today!

In most cases, we recommend speaking with a Credit Repair professional to analyze your credit report before you attempt to settle any debt. The main reason? Settling your debt may actually hurt your score.

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