Help Center and
Frequently Asked Questions

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 transferred to us for servicing. 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

When NCA acquires an account, we become the owner of that account. This allows us to provide account information, answer questions, and work with consumers to resolve the balance if applicable.

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

National Credit Adjusters (NCA) cannot change or delete information reported by the originating creditor. For accounts that NCA reports directly, 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.

If you disagree with a specific material fact about an account, 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.

Not necessarily. Credit reporting generally continues according to federal guidelines and bureau timelines while a dispute is being investigated. However, reporting activity may be affected depending on the nature and outcome of the investigation.

NCA will investigate the dispute and respond accordingly.

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 federal credit reporting guidelines. 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 we report, we furnish the required account information to the credit bureaus, including data such as account ownership, relevant dates, and account balances. This information is updated at least twice per month.

For accounts reported by NCA, a paid-in-full status typically appears within 30–45 days after payment. Processing timelines may vary by bureau.

NCA requests deletion of its tradeline 60–90 days after the account is satisfied. Credit bureaus complete the deletion on their own schedules.

No. NCA cannot modify or delete information furnished by the original creditor. We can only request deletion of the tradeline NCA furnished.

NCA follows all applicable federal and state regulations, including requirements for consumer communications, account information, and data handling.

NCA maintains strict data security practices and follows regulatory and industry standards, including the RMAI Certified Receivables Business requirements.