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How to Get Rid of NCB Management Services from Your Credit Report

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Summary: If you see a collection on your credit report NCB Management Services, you may be wondering how to get rid of it. Learn how to remove NCB Management from your credit report - and pay less than you thought.

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So you went to check your credit and saw the name “NCB Management Services Inc” attached to a negative mark on your report.

You look over all your past and current loan accounts, credit cards and other financial records, but nothing matches.

So what gives?

In all likelihood, you’ve had some form of outstanding debt sent to collections.

NCB Credit Management is a collection agency, specialists in prying money from debtors who have defaulted on a loan or other type of credit line.

If NCB Management Services Inc  has made an appearance on your credit report, here’s what you can do to resolve the issue as quickly - and cheaply - as possible.

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Tired of harassing phone calls, rude people, and lies? Hire our customer rated top credit repair company and take the fight to them!

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Who is NCB Management Services Inc

NCB Management Services Inc is a debt collection agency primarily focused on retail, healthcare, student loans and government debt. 

The collection industry has a bad reputation - often for good reason - but NCB Management Services is a legit business organization. They are accredited by the Better Business Bureau with an A+ rating.

Collection agencies like NCB Credit Management are hired by companies after the borrower has stopped making payments for a certain length of time.

If you’re receiving a letter or call from NCB, it’s likely because you defaulted on a loan or bill and the original lender has sold the debt to NCB Management Services, Inc. 

Negative items on your credit file?  Our 609 credit dispute letters may be able to help get them removed.

It’s also possible that the original lender never received or registered your payments, either because of a technical malfunction or an error on their part.

They may have mistakenly sold your debt to NCB Management Service, believing that you’ve willfully violated your loan agreement.

How to Stop NCB Management Services from Reporting on Your Credit Report

A collection will stay on your credit report for up to seven years, affecting your ability to qualify for a loan or receive low interest rates.

You may also struggle to be approved for an apartment or other type of rental housing. Some potential employers may even deny you a job, interpreting your loan default as a sign of unreliability.

There’s one main way to remove a collection from your credit report. The first step is to send NCB Credit Management a Debt Validation Letter. This letter asks NCB Management to prove that the debt is yours within 30 days. If they can’t do that, they must stop reporting it to the credit bureaus.

If NCB Management does validate the debt, then it’s time to institute a “pay to delete” strategy. A NCB Management Pay For Delete process involves contacting the collection agency, negotiating the remaining balance and asking them to stop reporting the collection to the credit bureaus.

The “pay for delete” procedure differs from just contacting the collection agency and paying the amount due. When you pay off a collection without the agency agreeing to remove it from your credit report, the collection will be marked as a paid collection. This is still a negative mark on your credit report.

That’s why a “pay for delete” agreement is so valuable. It eliminates the collection from your report entirely, possibly resulting in a drastic increase in your credit score.

When you ask for a “pay for delete,” you should also try to negotiate the current amount owed.

 An article from U.S. News & World Report found that collection agencies will settle for between 40-60% of the balance - which could mean thousands of dollars saved.

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Stop Harassing Calls Now! 

In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.

Consultation is quick, easy, and free.

If the Collection is a Mistake

Sometimes, a debt is sold to a collection agency mistakenly. This can happen if you moved without providing the lender your new address and stopped receiving bills.

A debt can also be attributed to you incorrectly if the lender uses the wrong Social Security Number. 

To dispute a collection, you have to contact the credit bureaus directly:

Credit Reporting Bureau Mailing Addresses




P.O. Box 740256

Atlanta, GA 30374-0256

P.O. Box 9701

Allen, TX 75013

P.O. Box 2000

Chester, PA 19016-2000

You can also dispute it online:

After you file a dispute, make sure to check its status regularly. It can take a while for the collection agency to respond, and it helps to be persistent.

You may have to follow up several times to have the collection removed.

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What if NCB Credit Management Can't Validate the Debt?

There are instances when collection agencies like NCB cannot validate a debt within the 30-day requirement. In that case, they may stop reporting the debt to the credit bureaus.

It’s important to realize the difference between removing a debt from a credit bureau and not collecting on it anymore. Your legal obligation to pay a bill or loan doesn’t end if it’s no longer on your credit report - NCB Management Jacksonville Fl could still come after you.

That’s why removing a debt from your credit report should only be part of your strategy. You need to find out if the debt is legitimate and still collectible as well.

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How to Stop Harassing Letters or Calls From NCB Management Services Collection Agency

Collection agencies sometimes employ illegal or unethical strategies to recoup their money. This may include calling you in the middle of the night or contacting family members, work associates or even your boss. 

According to the Fair Debt Collection Practices Act, debt collectors are not allowed to call outside of normal business or waking hours. They also may not contact anyone besides you in regards to the debt.

If you want NCB Management Services to stop calling you, send a certified letter to the following address: 1 Allied Drive, Feasterville-Trevose, PA 19053. 

You can also call the NCB Management phone number 1-800-828-1110 and demand an end to the harassment. If you ask them to stop calling, they are required by law to abide by your request. 

Unfortunately, limiting their ability to contact you doesn’t change the reality of your debt situation. You must resolve the outstanding debt before NCB Management Services is out of your life for good. 

If you’re confused about how to set up a “pay for delete” scenario, consider contacting a credit repair company. They can handle the process quickly and discreetly so you can get on with your life. 

*Study found 48% of professional credit repair clients who stuck with their service for 6+ months saw an average of 100+ points to their credit score.  Source.

credit knocks logo

Take The Fight To The Collection Company!

Tired of harassing phone calls, rude people, and lies? Hire our customer rated top credit repair company and take the fight to them!

Consultation is quick, easy, and free.

Zina Zumok

By Zina Kumok

Last updated 5/26/2020

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