National Credit Systems
National Credit Systems is a Georgia collection agency that works for apartment owners and property managers. It collects balances former residents are said to owe after moving out: unpaid rent, lease-break fees, cleaning and damage charges. If it contacts you, the claim comes from a landlord's move-out ledger, and you can ask for it.
Move-out balances are easy to get wrong. Security deposits are not credited, damage is charged twice, or a lease-break fee is added that the lease does not allow. The collector has to be able to show what the balance is made of.
Who National Credit Systems is
- What it does. Its site speaks to "former residents," covers "breaking a lease" and rental balances, and shows memberships in collector and apartment-industry associations (nationalcreditsystems.com).
- Where it is. Its mailing address is P.O. Box 672288, Marietta, GA 30006 (contact page).
- Phone. The number listed on its contact page is 800-367-1050 (checked September 29, 2026).
How to check that it is really National Credit Systems
- Get the validation notice. A debt collector must give you written validation information in its first communication or within five days after it: the amount, the creditor, and your right to dispute (15 U.S.C. § 1692g(a); 12 C.F.R. § 1006.34). If none came, read no validation notice.
- Ask who the original creditor is. The notice should name the creditor and itemize the balance. If you dispute in writing within the validation period, the collector must stop collecting until it mails you verification (15 U.S.C. § 1692g(b)).
- Call back on a number you looked up yourself. Do not pay a caller on the strength of a number the caller gave you. Look the company up on its own website. The number we found there is listed above.
- Look it up in the CFPB database. The link is in the public record section below.
- In New York City, look up the license. The city's Department of Consumer and Worker Protection (DCWP) issues debt collection agency licenses, and its issued-licenses list is public on NYC Open Data.
What National Credit Systems cannot do
These limits apply to every debt collector covered by the Fair Debt Collection Practices Act. They are the law, not a statement about what this company has done. For rental debts, the charges must be ones your lease or the law allows.
- Add amounts the agreement or the law does not allow. Collecting any amount not expressly authorized is an unfair practice (15 U.S.C. § 1692f(1)). See wrong amount and fees.
- Keep collecting after your written dispute without sending verification. Collection must pause until verification is mailed (15 U.S.C. § 1692g(b)). See ignored dispute.
- Report a disputed debt without saying it is disputed. Failing to communicate that a debt is disputed is a false credit statement (15 U.S.C. § 1692e(8)). See debt you do not owe.
- Call you more than 7 times in 7 days about one debt. More than seven telephone calls in seven consecutive days, or a call within seven days after a phone conversation about the debt, is presumed harassment (12 C.F.R. § 1006.14(b)(2)). Texts and emails do not count toward that number. See too many calls.
- Tell your family, friends or boss about the debt. A collector may contact other people only to find you, and may not say you owe a debt (15 U.S.C. §§ 1692b, 1692c(b)). See calls to family and employer.
- Keep contacting you after you tell it in writing to stop. After a written request to stop, it may write only to confirm it is stopping or to name a specific remedy (15 U.S.C. § 1692c(c)). See ignored stop request.
Log calls in the call log and save voicemails, letters and screenshots.
If National Credit Systems sues you
If a landlord's balance goes to court, the suit is usually filed for the landlord or the owner of the account. If you have been sued, do not ignore the papers. The deadline to answer is short, and a missed deadline can lead to a default judgment. Read sued by a debt collector first.
- New York. Most consumer credit suits must be filed within three years, and a later payment does not restart the clock (CPLR 214-i). The complaint must name the original creditor and attach the contract or charge-off statement (CPLR 3016(j)).
- New Jersey. Contract actions generally carry a six-year limit (N.J.S.A. 2A:14-1).
- Florida. Five years on a written contract, four on an oral one or an open account (Fla. Stat. § 95.11).
- The right court. A collector's suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i(a)(2)). See sued in the wrong county.
Public record
Only public, sourced facts appear here. Where we quote an agency or a court, the words describe what that agency or court found, alleged or decided.
CFPB complaints, as of September 29, 2026. From September 1, 2025 through September 1, 2026, consumers filed 7,680 complaints naming "National Credit Systems,Inc." in the Consumer Financial Protection Bureau's complaint database, 6,049 of them about debt collection; 1,145 of the 7,680 came from New York, New Jersey and Florida. See the complaints in the CFPB database. Complaints are unverified consumer reports, not findings of wrongdoing.
New York City license. DCWP's list shows an active debt collection agency license for National Credit Systems, Inc. (1277208-DCA, expiring January 31, 2027) as of September 29, 2026 (NYC Open Data).
Government orders. We found no federal or New York enforcement order against National Credit Systems to report here.
An apartment collection account can also turn up in tenant screening. If a screening report shows a balance you dispute, see tenant screening errors.
In New York, New Jersey and Florida
New York consumers can also sue under General Business Law § 349 for deceptive practices (N.Y. Gen. Bus. Law § 349(h)), and since September 1, 2026 New York City's DCWP rules limit a collector to three communications or attempts per account in seven days, across calls, texts and emails. Florida's consumer collection law reaches anyone collecting a consumer debt, including original creditors, with statutory damages up to $1,000 (Fla. Stat. §§ 559.72, 559.77(2)). New Jersey's Consumer Fraud Act allows treble damages for an ascertainable loss (N.J.S.A. 56:8-19). See New York, New Jersey and Florida.
The FDCPA requires a company found liable to pay the consumer's reasonable attorney's fees and costs. The deadline to sue is one year from the violation (15 U.S.C. § 1692k(d)).
Common questions
Why is National Credit Systems contacting me about an old apartment?
It collects for apartment owners and managers. The landlord placed a move-out balance with it. Ask for the validation notice and the itemized ledger, including how your security deposit was applied.
The landlord charged me for damage I did not cause. Do I have to pay?
Dispute the balance in writing within the validation period. A collector may not collect amounts your lease or the law does not allow, and it must mark a disputed debt as disputed if it reports it.
Can an apartment collection hurt my next rental application?
It can appear on a credit report or a tenant screening report. If the information is wrong, dispute it with the agency that issued the report.
Tell us what they did.
One conversation with an attorney, in your language. We tell you which laws the collector or the credit bureau broke, which deadline runs first, and what to save this week. If it is not a case we can take, we say so and tell you where to go.
(718) 484-7510The FDCPA and the FCRA require a company found liable to pay the consumer’s reasonable attorney’s fees and costs. Our fee arrangement is confirmed in a written retainer before we begin. English, Russian and Spanish in-house; an interpreter for any other language.