North American Credit Services, Inc.
Consumer Account Management/Payment Services

Corporate Office:
2810 Walker Road,
Chattanooga, TN 37421

Payments or Correspondence
Mailing Address:
P.O. Box 182221,
Chattanooga, TN 37422

NACS / Compliance / Complaint / Disputes
PO Box 22815
Chattanooga, TN 37422

Toll Free: 800.467.5654
Local: 423.894.5654
Fax: 423.899.8573

Thank you for taking time to visit our NACS consumer web page. We hope you find it easy to use and navigate thru. Due to the nature of our industry, there are several state and federal statements required.

Please take a moment to review these:

Federal law "FDCPA" requires that we make the following statement:
This is an attempt to collect a debt and any information obtained will be used for that purpose.

This website is provided by a debt collection agency.

This collection agency is licensed by the State of Tennessee Collection Service Board of Commerce and Insurance.
North American Credit Services is a Tennessee Corporation.
North Carolina Department of Insurance number 3830.
Colorado License number 989938

This is a private computing system which is restricted to authorized individuals. Actual or attempted unauthorized use of this computer system will result in criminal and/or civil prosecution. We reserve the right to view, monitor and record activity on the system without notice or permission. Any information obtained by monitoring, reviewing or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the system. If you are not an authorized user of this system or do not consent to continued monitoring, exit the system at this time.

To begin using this website, Enter the Authorization Code from your statement and Click Next.

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Links to important information: - U.S. Financial Literacy and Education Commission - Equifax Credit Reports

Jump$ - teaching High School students personal financial skills

Important Facts

· Read your information carefully. If you have a legitimate dispute we need to know what the dispute is about. What portion of the debt is disputed. If your dispute relates to identity theft, you must provide legal documentation for supporting your dispute along with police report and or notarized affidavit with signatures.

· With the number of regulations regarding health care information and how it is provided to us; we have by law up to 30 days to receive and get information sent to you. If a client fails to follow through in the 30 days your account will be deleted from the credit bureau and returned to our client. We are committed to full compliance of state and federal rules.

How were you treated? We want to know...

· NACS has a separate Campus Compliance Division that will review all complaints made by a consumer about how you were served by our staff. You may either call 1-800-868-6897 ext. 645 or all written complaints/disputes need to be mailed to:
Compliance Division
PO Box 22815
Chattanooga, TN 37422