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Guide to Removing NPAS From Your Credit Report

Last updated 07/04/2024 by

Bamigbola Paul

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NPAS is a debt collection agency that could significantly impact your credit score. This article explains who NPAS collects for, how it affects your credit score, and strategies to remove it from your credit report. Additionally, it discusses your rights when dealing with NPAS and offers actionable steps to handle their communications.
Dealing with debt collectors like NPAS can be stressful and confusing. NPAS, a known debt collection agency, often purchases debts from various creditors or collects on behalf of other companies. If you see NPAS on your credit report, understanding your rights and the best ways to address this issue is crucial. This guide will provide detailed insights on how NPAS operates, its impact on your credit score, and effective strategies to manage and potentially remove NPAS from your credit report.

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What is NPAS?

The role of NPAS in debt collection

NPAS, or National Payment Adjustment Services, Inc., is a debt collection agency that either buys debts from original creditors at a fraction of the cost or is hired to collect debts on behalf of other companies. They typically deal with various types of debt, including credit card debt, medical bills, and personal loans.

How NPAS acquires debts

Debt collection agencies like NPAS purchase debts from creditors who have deemed the accounts uncollectible. This process involves buying debts at a significantly reduced price, often paying pennies on the dollar. For instance, if a creditor has a $1,000 debt, NPAS might purchase it for as little as $100. This low acquisition cost allows NPAS to profit even if they collect only a portion of the original debt.

How does NPAS affect your credit score?

The impact of collections on credit scores

When NPAS reports a collection account on your credit report, it can severely impact your credit score. Collections accounts are considered derogatory marks and can remain on your credit report for up to seven years from the date of the first delinquency. This presence can make it difficult to obtain new credit, secure loans, or even rent an apartment.

Strategies to mitigate credit score damage

  • Dispute inaccuracies: If any information on the NPAS account is incorrect, you have the right to dispute it. According to the U.S. Public Interest Research Group (PIRG), 79% of credit reports contain errors. Correcting these errors can potentially improve your credit score.
  • Pay for delete: In some cases, negotiating a pay-for-delete agreement with NPAS can result in the removal of the collection account from your credit report. However, this approach is not always successful, as collection agencies are not obligated to honor such agreements.

Pro Tip

Regularly monitor your credit report for any inaccuracies or unauthorized accounts. Early detection can help you address issues before they severely impact your credit score.

How to remove NPAS from your credit report

Disputing inaccuracies

If you find inaccuracies in the NPAS account on your credit report, you can dispute them with the credit bureaus. The Fair Credit Reporting Act (FCRA) mandates that credit bureaus investigate disputed information within 30 days. If NPAS cannot verify the accuracy of the account, it must be removed from your report.

Writing a goodwill letter

In some cases, you might consider writing a goodwill letter to NPAS, requesting them to remove the account out of goodwill. This approach works best if you have a solid payment history and the delinquency was a one-time event. However, many collection agencies, including NPAS, typically do not accept goodwill letters.

Seeking professional help

Credit repair companies specialize in disputing errors on credit reports and negotiating with creditors. Hiring a reputable credit repair company can save you time and stress. They can also provide professional advice tailored to your specific situation.

Pro Tip

If you’re unsure about handling the dispute process yourself, consider seeking help from a credit repair professional. They have the expertise to navigate complex cases and increase your chances of success.

Request all correspondence in writing

Ensuring a documented record of communications with NPAS is crucial. By requesting written correspondence, you create a paper trail that can be used for future reference or disputes. This approach can also help reduce the stress of constant phone calls.
NPAS contact information
PO Box 32145, Fridley, MN 55432
Ph# +1 800-279-3733

How to file a complaint against NPAS

Filing a complaint with the CFPB

The CFPB is a federal agency that oversees financial products and services. To file a complaint against NPAS, visit the CFPB’s website and provide details about your issue. The CFPB will forward your complaint to NPAS and work to get a response.
CFPB contact information
Website: Consumer Financial Protection Bureau
Phone: +1 855-411-2372

Filing a complaint with the FTC

The FTC also handles complaints about unfair or deceptive business practices. While the FTC does not resolve individual complaints, your report can help investigate and bring actions against companies that violate the law.
FTC contact information
Website: Federal Trade Commission
Phone: +1 877-382-4357

Understanding your rights with NPAS

The Fair Debt Collection Practices Act (FDCPA)

The FDCPA provides consumers with specific rights when dealing with debt collectors like NPAS. It prohibits abusive, deceptive, and unfair collection practices. Key protections include:
  • Right to request validation: You can request NPAS to provide validation of the debt. This requires them to prove that the debt is yours and that they have the right to collect it.
  • No harassment: NPAS cannot use threatening or harassing tactics to collect the debt. This includes excessive calling, using abusive language, or threatening legal action they cannot take.

The Fair Credit Reporting Act (FCRA)

The FCRA ensures the accuracy and privacy of information in consumer credit reports. Under the FCRA, you have the right to dispute incomplete or inaccurate information. Credit bureaus must investigate and correct any inaccuracies.

Pro Tip

Before settling with NPAS, ensure that any agreement to delete the account is documented in writing. This protects you if NPAS fails to follow through.

Tips for communicating with NPAS

When dealing with NPAS, it’s essential to remain calm and professional. Keep records of all communications, including dates, times, and the names of the representatives you speak with. This information can be valuable if you need to escalate the issue or seek legal advice.

Understanding your statute of limitations

Each state has a statute of limitations that determines how long a creditor or debt collector can legally enforce a debt. Understanding your state’s laws can help you determine if NPAS can still legally collect the debt from you. If the statute of limitations has expired, you may have additional leverage in negotiations.

Seeking legal advice

In some cases, dealing with NPAS may require legal assistance. If you feel overwhelmed or unsure about your rights, consider consulting with a consumer rights attorney. They can provide expert advice and help you navigate complex situations, such as potential lawsuits or wage garnishments.


Dealing with NPAS can be challenging, but understanding your rights and options is crucial. Whether you’re disputing a debt, negotiating a settlement, or seeking professional advice, taking informed steps can help you manage the impact on your credit score and financial health. Remember, you have the power to address and resolve these issues effectively.

Frequently asked questions (FAQ)

Is NPAS a legitimate company?

Yes, NPAS is a legitimate debt collection agency. They operate under the guidelines of the Fair Debt Collection Practices Act (FDCPA).

Should I pay NPAS?

Paying NPAS can resolve the debt but may not remove the negative mark from your credit report. It’s crucial to weigh your options and consider disputing the debt if you believe it’s inaccurate.

Can NPAS garnish my wages?

While it’s uncommon, NPAS can sue you for the debt and potentially garnish your wages if they win the lawsuit. However, this is typically a last resort.

What are my rights when dealing with NPAS?

You have the right to dispute any debt NPAS is trying to collect. Under the FDCPA, NPAS must provide accurate and complete information about the debt. You also have the right to request validation of the debt.

What should I do if NPAS contacts me?

If NPAS contacts you, it’s important to verify the debt and ensure it is accurate. You can request a debt validation letter to confirm the legitimacy of the debt.

How can I remove NPAS from my credit report?

Removing NPAS from your credit report may be possible by disputing any incorrect information with the credit bureaus or negotiating a pay-for-delete agreement with NPAS.

What is a debt validation letter?

A debt validation letter is a request you can send to NPAS asking them to provide proof that the debt is yours and that they have the right to collect it. This is your right under the FDCPA.

How long does a collection account stay on my credit report?

A collection account can stay on your credit report for up to seven years from the date of the first delinquency.

Can NPAS report a debt to the credit bureaus?

Yes, NPAS can report a debt to the credit bureaus, which can negatively impact your credit score.

What steps should I take to dispute a debt with NPAS?

To dispute a debt with NPAS, obtain your credit report, identify any errors, and submit a dispute to the credit bureaus with supporting evidence.

Key takeaways

  • NPAS is a legitimate debt collection agency that can impact your credit score.
  • You have the right to dispute any incorrect information reported by NPAS.
  • Consider your options carefully before paying or settling a debt with NPAS.
  • Consult with a credit repair professional for personalized advice and assistance.
  • Document all communications with NPAS and understand your rights under the FDCPA and FCRA.

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