Who Is National Credit Systems? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact National Credit Systems
- Address to send a debt validation letter
- National Credit Systems, Inc. PO Box 672288 Marietta, GA 30006
- Phone
- 1-800-367-1050
- Official website
- https://www.nationalcreditsystems.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
National Credit Systems is a debt collection agency that specializes in the rental/apartment industry — it collects on behalf of property management companies and landlords for balances left after a resident moves out or is evicted, rather than buying and collecting consumer debt generally. If National Credit Systems is contacting you, it almost always means a former landlord or property manager referred an unpaid balance (unpaid rent, damages, or lease-break fees) for collection. It’s worth putting them on notice with a validation request to confirm the amount owed and that the debt is accurate before paying anything.
Questions & Answers
Is National Credit Systems a legitimate debt collector?
National Credit Systems shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop National Credit Systems from calling me?
Under the FDCPA, you can send National Credit Systems a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with National Credit Systems?
Send a written debt validation request to National Credit Systems's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is National Credit Systems on my credit report?
If National Credit Systems is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- National Credit Systems — Contact Us— nationalcreditsystems.com