National Credit Systems

National Credit Systems has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20050169), last checked October 5, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects.

Yes. National Credit Systems holds an active Debt Collection Agency license with the New York City Department of Consumer and Worker Protection (license 1277208-DCA), last checked September 28, 2026. New York City requires this license of any business whose principal purpose is collecting personal or household debts from NYC residents, wherever the business itself is based.

Yes. National Credit Systems holds a consumer collection agency registration with the Florida Office of Financial Regulation (CCA0900180), recorded as Approved, last checked October 5, 2026. Chapter 559, Part VI of the Florida Statutes requires this registration of a consumer collection agency, though nine categories of business are lawfully exempt from it.

Yes. National Credit Systems holds an active debt collector license with the California Department of Financial Protection and Innovation (license 10800-99), on the department's list of current licensees, last checked October 5, 2026. The Debt Collection Licensing Act, Financial Code Section 100001, requires this license of a debt collector, though banks, licensed lenders and commercial collectors are lawfully exempt from it.

Yes. National Credit Systems holds a current collection agency license with the Illinois Department of Financial and Professional Regulation (license 017021318), recorded as active on the state's public license register, last checked September 29, 2026. The Collection Agency Act, 205 ILCS 740, Section 4, requires this license of a collection agency operating in the state, though an out-of-state agency collecting into Illinois only by interstate communication from a state where it is licensed, with reciprocity, is lawfully exempt.

According to its own website, National Credit Systems specializes in multifamily and rental collections, read July 10, 2026. A specialty is the company's own published claim; this directory verifies the public register facts, not the claim. All declared multifamily and rental debt collection specialists are listed on our industry pages.

The public CFPB Consumer Complaint Database records 16,858 debt-collection complaints referencing National Credit Systems, as of September 30, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.