If you’ve had a phone call or letter from Nationwide Credit, Inc., you may be feeling confused or even afraid. Debt collectors aren’t the easiest people to talk to. However, there’s no need to panic if someone is claiming you owe them money.
Instead, do your homework, make sure you know your rights, and take steps to protect yourself. That way, you’ll make sure no one harasses you. In fact, you might even be able to settle your debts and preserve your credit without paying anything.
Read on to find out what to expect and how to proceed if Nationwide Credit, Inc. is chasing you for debt repayments.
Table of Contents
What is Nationwide Credit, Inc.?
Nationwide Credit, Inc. is one of the largest debt collection agencies in the US. Registered in 1987, its headquarters are in Atlanta, Georgia, but it operates throughout the country.
Other names for Nationwide Credit, Inc.
Nationwide Credit, Inc. is also known as simply Nationwide Credit or NCI. However, there are a number of other companies with very similar names.
Other debt collection companies with similar names
It’s easy to confuse Nationwide Credit, Inc. with other debt collection companies that have names like:
- Nationwide Credit & Collection, Inc.
- Nationwide Credit Corporation
- Nationwide Recovery Systems
- Nationwide Recovery Service
Be careful not to mix up debt collection agencies like these.
What services does Nationwide Credit, Inc. offer?
Nationwide Credit, Inc. offers a variety of services:
- Customer relationship management
- Business process outsourcing
- First-party accounts receivable management (i.e., debts owed to businesses)
- Third-party collections
- Legal collections
Nationwide Credit, Inc. operates in various industries, including: 1
- Banking & Finance
- Mortgage
- Automotive
- Healthcare
- Insurance
- Retail
- Telecommunications
- Utilities
If you hear from Nationwide Credit, Inc. or see them on your credit report, it could mean that they’re pursuing overdue payments for one of the above types of accounts.
Is Nationwide Credit, Inc. a scam?
No, Nationwide Credit, Inc. isn’t a scam; they’re a completely legitimate, registered debt collection company.
However, that doesn’t mean to say that they’ll act ethically or even legally. 2 According to the Federal Trade Commission (FTC), Nationwide’s debt collectors have violated the law on a number of counts, such as by:
- Harassing consumers
- Using false and misleading information
- Failing to send required validation notices
- Failing to verify debts when consumers asked them to
- Using impermissible third-party contacts to chase people for debts
Debt collectors are famous for skirting or even breaking the law when they’re pursuing debts. Make sure you know your rights when you’re dealing with them to make sure you don’t get bullied or scammed.
Also, be careful of fraudsters impersonating real debt collectors. It’s common for scammers to do this when they contact you, so this is another hazard to be aware of.
How to deal with Nationwide Credit
Ready to take control of your debt with Nationwide Credit? Choose the methods you want to attempt below.
Dispute Collections If the debt is inaccurate, learn how to remove the collection from your credit report. | Stop Harassment If your rights are being violated, learn how to fight back using protections under federal law. |
Verify Debt If you're not certain the debt is yours, request more information (and temporarily stop collection efforts). | Pay Debt Collector If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing. |
