National Credit Systems Inc.
National Credit Systems Inc. is a collection agency located in Atlanta, Georgia that specializes in collecting unpaid debt for the apartment industry. National Credit Systems Inc. uses aggressive techniques in their attempt to collect debt such as automatically reporting derogatory information to all three major credit bureaus for non-paying accounts and making use of national skip tracing databases. Because National Credit Systems Inc. automatically reports to Equifax, Experian and TransUnion, there is a very high probability that their reporting could be incorrect.
Federal law provides collection agencies the ability to place derogatory marks on consumer's credit report which may damage your credit score, thus preventing lenders from approving individuals, like you, for new credit. Consequently, you could be approved for financing with low scores, but the interest rates will be expected to be rather high. Among other laws, the Consumer Credit Protection Act authorizes the consumer to dispute, and potentially wipe out derogatory items such as charge offs or collection agency marks from your credit report.
I had numerous late payments, tax and civil liens, and collections being reported on my personal credit file that were damaging my credit score and affecting my ability to obtain credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies similar to National Credit Systems Inc. (Atlanta, GA.) in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with collection agencies, similar to National Credit Systems Inc., was more dispiriting and time consuming than I could have possibly imagined but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. Everyone thinks credit repair is not complex and hard, I quickly learned that was not the case.
I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collections, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.
Here is one of the update letters I received from the credit bureaus. This one is from TransUnion and shows the deletion of three collection accounts that were placed on my credit report by collection agencies similar to National Credit Systems Inc.
Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like National Credit Systems Inc. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: late payments, collections, charge offs, bankruptcies, tax liens, civil liens, foreclosures, repossessions and more.
