NCA is
Here to Help

National Credit Adjusters is a licensed receivables management organization that purchases and services consumer credit accounts transferred by creditors and lenders. Founded in 2002, our services are rooted in integrity, honesty, and transparency. With a strong focus on the customer experience, National Credit Adjusters has built trust and established long-term relationships that have contributed to our continued success and the success of our consumers and business partners. Learn more about us.

You may have received a communication from National Credit Adjusters because an account associated with your name was either transferred to us for servicing or purchased by our company for collection. Reviewing the information we sent is the quickest way to understand the reason for our outreach. You can contact our support team to get more specific information or use our online portal to access your account

National Credit Adjusters (NCA) is a legitimate organization that has operated since 2002. We follow all federal and state regulations, hold the RMAI Certified Receivables Business designation, ACA International Members, and we are a BBB Accredited Business. Learn more about our company here.

We purchase, service, and manage certain accounts that have been transferred to us by creditors and lenders. Our role is to provide consumers with clear information and support, while helping consumers resolve outstanding balances.

If you see a tradeline from National Credit Adjusters (NCA) on your credit report, it means we have acquired your account. As the current owner, NCA is now the company responsible for managing your account.

When an account is purchased by NCA, it may be reported to the credit bureaus. Any information we report complies with all applicable laws. Please note that the way this information appears, including formatting and wording, is determined by the credit bureaus. Learn more about NCA credit reporting.

For accounts that NCA reports, our policy is to request deletion of our tradeline 60–90 days after the account is satisfied. Before deletion occurs, you may see a paid-in-full status within approximately 30–45 days following payment.

National Credit Adjusters (NCA) cannot change or delete information reported to the credit bureaus by the originating creditor.

Start by reviewing any communication we sent. If you need more details, you can request additional information to help you understand the origin of the account. You can also contact our support team to discuss your specific account in more detail.

You are not required to respond to our communication attempts.  However, communicating with us may help you better understand your situation and decide what steps, if any, you would like to take.

NCA will perform collection activities in accordance with applicable law, with the goal of helping its consumers resolve their outstanding obligations.

If you have questions, our team is here to help.

If you have questions regarding your account, you can obtain information by logging in to your account, or contacting our support team. 

If you disagree with information that has been provided to you by NCA, such as the balance, ownership, or other account details, you can use our online dispute form to submit a dispute.  Learn more about how to dispute an account here.

You can make a secure payment any time using our online portal or learn more about payment options on our Make a Payment page. 

Our support team is available to assist you. We encourage you to reach out so we can help.