Debt Collector Reviews
Curious about what others are saying about National Credit Systems? You’re in the right place! Our National Credit Systems Research provides a detailed look into real consumer experiences, paired with additional insights from trusted sources.
If you’ve had any dealings with National Credit Systems—good or bad—we encourage you to share your story. Please leave your review in the feedback form at the bottom of this page to help others navigate their experiences with this agency.
Licensing Information:
According to the NATIONWIDE MULTISTATE LICENSING SYSTEM as of Seeptember 4, 2024 National Credit Systems Inc is licensed in 15 States.
State of Georgia Secretary of State
313 West Tower
2 Martin Luther King, Jr. Dr.
Atlanta GA 30334-1530
Additional Customer Service Telephone Numbers:
Confirmed Common Questions & Answers about National Credit Systems Inc.
YES, as mentioned in the business details section they have been in business since 1991. Â
National Credit Systems is a debt collection agency specializing in recovering past-due accounts for property management companies, particularly for apartment complexes. They work to collect unpaid rent, fees, and other debts from former tenants on behalf of landlords and property owners. They are known for reporting unpaid debts to the credit bureaus, which can affect a consumer’s credit score.
NCS Apartment Collections
NCS Connecticut
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There are 5 legal ways to remove them from Your Credit Report.
Yes, a consumer can often successfully negotiate a reduced settlement, however due to their reputation of using deceptive practices we recommend getting everything in writing before you pay them.
The likelihood is inconsistent. Some consumers have successfully negotiated a pay-for-delete agreement, while others report difficulties. Success often depends on persistence, and agreements are typically verbal rather than written. Results may vary, with some deletions occurring after payment and others being refused.
National Credit Systems Inc is a debt collection agency located in Atlanta Georgia. Specializing in debt recovery for rental propertieslike apartment complexes and condos.
When making any arrangement with a debt collector it is very important to follow through with the settlement terms in order to keep your credit rating from getting a negative hit.  If you receive any telephone calls from them it is an attempt to collect a debt or alleged debt.
The original creditor is normally a past apartment you may have rented in the past. This is how apartment debt collectors receive your personal information. Â
Based on the research completed by TenantWatchDog.org National Credit Systems is one to look out for. They are known for deceptive practices and FDCPA violations. The information below will provide details on their willingness to work with tenants that owe an alleged balance with them.
We first started writing about this debt collector in 2021. With so much misinformation on the internet it has always been the goal of Tenant Watch Dog to provide accurate, fact checked information to consumers. You can also read about your Rights as a Consumer regarding any debts owed plus additional information on their debt collector profile.
We have confirmed not only from our own internal research but also from the a news story from 2019, you can read the entire news story here. The video and the news story confirms the use of deceptive practices by National Credit Systems Inc by Reps but also by upper management.
National Credit Systems Inc. is a legitimate debt collection agency that primarily focuses on collecting debts for property management companies, particularly in the apartment rental sector. They acquire overdue balances, such as unpaid rent or fees, from former tenants. Unlike some misconceptions, National Credit Systems does not engage in scam practices. It is a registered company operating under federal laws like the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), ensuring consumers’ rights are protected during the collection process
One common point of confusion involves pay-for-delete agreements, which are sometimes misunderstood. While some consumers have had success negotiating with National Credit Systems to remove negative entries from their credit report in exchange for payment, this is not a guaranteed practice. Credit reporting agencies discourage this because they prioritize accurate and complete reporting. As a result, they may be inconsistent in offering such agreements, and consumers should always request any agreements in writing.
Another misconception is whether National Credit Systems purchases debt or merely acts as a collector. In reality, National Credit Systems does both—they purchase delinquent accounts from property management companies and also act as third-party collectors for creditors. When purchasing debts, they acquire them in bulk, meaning the original creditor has sold the rights to the debt. This is why National Credit Systems might contact consumers regarding unpaid balances from previous apartment leases or related charges
Are you dealing with another debt collector? An important part of the Apartment Debt Collector Reviews on our site is to make sure consumers have the information they need. Be aware that the Federal Debt Collection Practices Act (FDCPA) is in place to protect your rights!
This law prevents collectors from contacting you
It is also required for them to validate any requested debts within 30 days of receiving notice – so ensure they are complying by brushing up on FDCPA regulations first.
When it comes time to interact with National Credit Systems Inc Collection Agency or other agencies like them: knowledge really IS power!
I found the staff at this debt collection agency to be professional and courteous. However, they were not able to negotiate a repayment plan that worked for me, and I felt like they were more interested in collecting as much money as possible.
I recently had the misfortune of dealing with this debt collection agency, and it was an absolutely terrible experience. The customer service staff were rude and unhelpful, and seemed to be more focused on getting money out of me than helping me understand the situation. I would strongly advise anyone looking for debt collection services to avoid this agency. Their bad customer service is not worth the hassle!
They buy fake debt from apartment complexes and try to call you and collect the debt.
Response from Tenant Watch Dog
Thank you for your Hunter Warfield review, your information is incorrect however. HW does not buy debt, they only collect for their clients (apartments ect in this scenario).
I hope that National Credit Systems see this. The so-called reps are so disrespectful and moreover just rude. As a consumer I tried to negotiate a settlement with them the reps keep asking for payment before agreeing to a settlement. It is insane these people are even in business.
No one wants to deal with debt collectors tha’s a fact. But I did have a decent experience and saved 40% of what I actually owed.
After a lot of back and forth on the phone I was able to get a settlement offer that I could afford. Best advice is to keep at them, and get your debt cleared.
So many harassing phone calls, they even called my ederly parents stressing them out. The debt was over 4 years old and wasn’t even mine. Took me 18 months to prove they were in the wrong. I don’t know where the hell they get their reps from, but they are so ghetto and rude as hell.
I had a settlement offer that I was paying on for 6 months i was going to be 2 days late on the last payment now that say I have to pay the full amount. Customer service is awful they talk down to you and are rude as hell!!
Maybe if the reps actually read the FDCPA and knew what they were not supposed to do there wouldn’t be so many people so angry when dealing with this debt collector.
A lot of back and forth for months, rude customer service, threats, you name it. I am at at a loss of how this company is still in business.
Tenant Watch Dog is a group of volunteers helping consumer deal with apartment debt collector through internal research that has been verified and fact-checked for accuracy.
