What is NCRi?
NCRi (National Credit Recovery Inc.) is a collection agency that recovers unpaid debts on behalf of creditors.
The company also operates as a business process outsourcing (BPO) provider. Its BPO services include customer experience management, customer service, data entry and IT support, which it runs alongside its debt collection work.
NCRi is headquartered in Mississauga, Ontario, with a second Canadian office in Montreal, Quebec, and international operations including an office in Islamabad, Pakistan. The company was incorporated federally in August 2008 and has been in business since 2007.
Why is NCRi calling me?
If NCRi is calling, a creditor has sent your unpaid account to them for collection.
The call could also be about an old debt you've forgotten, an account sent to NCRi by mistake, or a scam using their name.
Ask for written proof of the debt before you confirm any personal details or agree to pay.
NCRi phone numbers
These numbers are commonly associated with NCRi:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
If you receive a call from a different number claiming to be NCRi, verify the debt in writing and confirm the details before paying.
Who does NCRi collect for?
NCRi collects debts for creditors in banking, financial services, telecom, utilities, insurance and government.
Consumer reports link NCRi to 16 creditors, most often in banking, telecom and retail.
| Industry | Consumer-reported creditors |
|---|---|
| Telecommunications | |
| Banking & Financial Services | |
| Utilities | |
| Automotive | Hyundai |
| Retail | |
| Fitness & Recreation | MOVATI Athletic |
Know another company NCRi collects for?
If the creditor name on a collection letter or call isn't familiar, check your credit report with Equifax or TransUnion before responding.
NCRi is an approved collection agency supplier through the Ontario Education Collaborative Marketplace (OECM), alongside Credit Bureau of Canada Collections, Transworld Systems and Gatestone & Co.
OECM members, including Ontario school boards, colleges, and universities, can use NCRi to collect unpaid tuition, residence fees and student debts.
Is NCRi a legitimate collection agency?
NCRi (National Credit Recovery Inc.) was incorporated as a federal corporation in August 2008. The company has been in business since 2007.
BBB lists an older address (6285 Northham Dr); the federal corporate registry lists Suite 300 at 5060 Spectrum Way, which appears current.
Source: BBB – National Credit Recovery Inc
If someone claims to be from NCRi, ask for written proof of the debt before paying anything.
Will NCRi affect my credit score?
A collection account from NCRi will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if NCRi calls you (step by step)
NCRi also holds an Ontario collection agency licence for an office in Islamabad, Pakistan, and reports international operations beyond Canada.
What if the debt is old?
Every province has a time limit on how long a collection agency like NCRi can sue you for an unpaid debt.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
Once the limitation period expires, NCRi can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from NCRi
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once NCRi receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can use our cease and desist letter templates.
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If NCRi is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about NCRi
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think NCRi is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
Legal Name
National Credit Recovery Inc.
NCRi Inc.
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
NCR Inc
