Why we contacted you

National Credit Adjusters contacts consumers to provide information about accounts that have been sold or transferred to NCA for servicing. Our communication is intended to share accurate details, explain account ownership, and help consumers best pay down their overdue accounts.

A contact from NCA does not imply wrongdoing. It simply means we are now responsible for providing details about and helping you resolve your account.

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Clear information about
our communication

National Credit Adjusters may reach out by phone, mail, SMS, or other forms of communication to share important information about an account in our care. Each message is intended to provide clear details about the account and ensure you are aware of your options.

If you’ve received any outreach from us, this page will help you understand what to expect from these communications and how to respond in a way that works best for you.

Frequently asked questions

If you have questions after receiving a call, letter, or message from National Credit Adjusters, the answers below may help address common concerns and explain what our communication means. If your question or concern is not listed, please contact us.

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Why did National Credit Adjusters contact me?

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

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Do I need to respond right away?

There is no requirement to respond immediately. Many consumers choose to review their information and decide what steps may be appropriate.

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Is National Credit Adjusters legit or a scam?

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.

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What should I do if I don’t recognize the account?

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.

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Why is National Credit Adjusters on my credit report?

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 reflects the account’s current status and 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. 

Our commitment to accuracy
and compliance

National Credit Adjusters operates under all applicable federal and state regulations, including requirements related to communication and consumer rights. We also maintain RMAI Certified Receivables Business status, reflecting our commitment to responsible, transparent practices.

Providing accurate information is a core part of our responsibilities. If you have a question about the information you received, our team can assist you.

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What our communication means

Our communication is intended to:

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Inform you that an account has been transferred or sold to us for servicing.
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Provide access to information you may need to identify or recognize the account.
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Offer support if you have questions about the account details.

Letters, calls, or messages from our organization are designed to notify you of the transfer and make sure you know how to reach us if you would like assistance

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What you can do next

If you are unsure how to proceed, reviewing the letter or message you received is the best first step. It contains account information that can help you understand why we contacted you.

If additional clarification is needed, you can contact our support team, and we will provide information to help you understand the origin of the account.

You can also explore your options online at your own pace:

Many consumers prefer to review their information before deciding what to do next. However, taking action now may prevent your account from moving further along in the recovery process.

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Contact us

If you have questions or would like more information, our support team is available to assist you.