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How to Remove North Shore Agency From your Credit Report

Last updated 07/04/2024 by

Silas Bamigbola

Edited by

Fact checked by

Understanding how North American Credit Services operates, how it can impact your credit score, and the steps to take to handle collections from them is crucial. This comprehensive guide covers everything you need to know about dealing with North American Credit Services, from disputing inaccuracies to negotiating settlements and protecting your rights.
Dealing with debt collectors like North American Credit Services can be stressful and confusing. This article aims to provide you with a detailed understanding of North American Credit Services, how they operate, how they affect your credit report, and what steps you can take to address their collection attempts. Whether you’re looking to remove a collection account, understand your rights, or explore your options, this guide covers it all.

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What is North American Credit Services?

North American Credit Services is a debt collection agency that primarily focuses on collecting healthcare receivables. They work with hospitals, clinics, and other health-related institutions to collect debts from patients who have not paid their medical bills. This agency may contact you via phone or mail, and their collection accounts can appear on your credit report, negatively impacting your credit score.

Does North American Credit Services hurt my credit score?

Yes, having a collection account from North American Credit Services on your credit report can significantly hurt your credit score. Collections are considered derogatory marks and can lower your score by several points, making it more difficult to obtain loans, credit cards, or even housing.

How to remove North American Credit Services from your credit report

Dispute inaccuracies

One of the most effective ways to remove a collection account is by disputing inaccuracies. According to various studies, many credit reports contain errors. If there are mistakes or incorrect information on your account, you can dispute it with the credit bureaus. Here’s how to go about it:
  1. Request a copy of your credit report: Obtain your credit report from all three major credit bureaus (Experian, Equifax, and TransUnion).
  2. Identify errors: Carefully review your reports and note any inaccuracies.

Pro Tip

Disputing inaccuracies in your credit report can be a quick way to improve your credit score. Ensure all information is accurate and up-to-date.

Send a debt validation letter

Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt. This means asking North American Credit Services to provide proof that the debt is yours and that they have the right to collect it. Here’s how to send a debt validation letter:
  1. Write a letter to North American Credit Services requesting validation of the debt.
  2. Include your account number, your contact information, and a request for specific details about the debt.
  3. Send the letter via certified mail with a return receipt requested to ensure they receive it.

Negotiate a settlement

You might consider negotiating a settlement with North American Credit Services if the debt is valid. This involves agreeing to pay a portion of the debt in exchange for having the rest forgiven. Here are some steps to negotiate a settlement:
  1. Contact North American Credit Services and offer to settle the debt for less than the full amount.
  2. Get the agreement in writing before making any payments.
  3. Make the payment as agreed and ensure the account is updated on your credit report.

Pro Tip

Always get settlement agreements in writing to avoid any misunderstandings or future collection attempts.

Request a goodwill deletion

If you’ve already paid the debt, you can request a goodwill deletion. This is where you ask North American Credit Services to remove the collection account from your credit report out of goodwill. Here’s how to request a goodwill deletion:
  1. Write a letter to North American Credit Services explaining your situation and why you’d like the account removed.
  2. Highlight any positive payment history and any hardships you’ve faced.
  3. Send the letter and follow up to see if they are willing to accommodate your request.

Request all correspondence in writing

It’s crucial to have a documented record of all communications with North American Credit Services. Requesting written correspondence ensures you have evidence of all interactions, which can be helpful if disputes arise. Contact North American Credit Services at the following address:
North American Credit Services contact information
P.O. Box 182221, Chattanooga, TN 37422
+1 800-467-5654

How to file a complaint against North American Credit Services

If you believe North American Credit Services has violated your rights or engaged in unfair practices, you have the right to file a complaint. Here’s how you can do it:
  1. Consumer Financial Protection Bureau (CFPB): Submit a complaint online at the CFPB’s complaint page or call them at +1 855-411-2372.
  2. Federal Trade Commission (FTC): File a complaint with the FTC online at the FTC Complaint Assistant or call them at +1 877-382-4357.
  3. State Attorney General’s Office: Contact your state’s Attorney General’s office to file a complaint. You can find contact information for your state’s Attorney General on the website.

Understanding your rights under FDCPA and FCRA

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are designed to protect consumers from abusive debt collection practices and ensure the accuracy of credit reporting. Familiarize yourself with these laws to better handle interactions with North American Credit Services.
  • FDCPA: Prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts.
  • FCRA: Ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Steps to take if you receive a summons

Receiving a summons from North American Credit Services can be intimidating, but it’s important to respond appropriately. Follow these steps:
  1. Do not ignore it: Ignoring a summons can lead to a default judgment against you.
  2. Verify the debt: Ensure the debt is valid and that it belongs to you.
  3. Seek legal advice: Consider consulting with a lawyer to understand your options and rights.
  4. Prepare your defense: Gather all relevant documents and information to support your case.

The impact of collections on your credit score

Collections accounts can significantly affect your credit score. Understanding this impact can help you manage and improve your credit health. Here’s what you need to know:
  • Credit score drop: A collection account can lower your credit score by several points.
  • Duration on report: Collections can remain on your credit report for up to seven years from the date of the first delinquency.
  • Recovery time: The impact of collections diminishes over time, especially if you build positive credit habits.

Pro Tip

Consult with a credit repair specialist to explore all your options and choose the best course of action for your situation.


Dealing with North American Credit Services can be daunting, but understanding your rights and the strategies available to you can make the process more manageable. By validating debts, disputing inaccuracies, negotiating pay-for-delete agreements, and keeping detailed records, you can protect your credit score and financial health. If the process feels overwhelming, consider seeking help from a credit repair professional. Remember, you have rights under the FDCPA and FCRA that protect you from unfair and abusive practices. Stay informed, stay proactive, and take control of your financial future.

Frequently asked questions

Should I pay for delete with North American Credit Services?

Paying for delete can be tempting, but it’s not always effective. Even if you pay off the debt, it might still remain on your credit report as a paid collection, which can still negatively impact your credit score.

Should I negotiate a settlement with North American Credit Services?

Negotiating a settlement can be beneficial, but it depends on your situation. Sometimes, it can help improve your credit score, but other times it might not make much difference. It’s essential to get any agreements in writing and to understand how it will impact your credit report.

Is North American Credit Services a scam?

No, North American Credit Services is not a scam. They are a legitimate debt collection agency, but you should still be cautious and verify any debts they claim you owe.

Why does North American Credit Services keep calling me?

North American Credit Services calls to collect on a debt. If you believe the debt is not valid or you’re being harassed, you can send a cease and desist letter requesting that they stop contacting you.

Can North American Credit Services garnish my wages?

While it’s possible for a debt collector to garnish your wages, it’s not very common. They would need to sue you and obtain a court order first. Understanding your state’s laws and exemptions can help you protect your income.

Key takeaways

  • North American Credit Services is a legitimate debt collection agency that can impact your credit score.
  • Disputing inaccuracies and sending debt validation letters can help you remove incorrect accounts.
  • Negotiating settlements and requesting goodwill deletions are possible ways to handle valid debts.
  • Understanding your rights under the FDCPA and FCRA is crucial when dealing with debt collectors.

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