At a glance NCRi (National Credit Recovery Inc.) is a Canadian debt collection and business process outsourcing (BPO) company, incorporated in 2008.
The company provides accounts receivable management, customer experience management, and call centre operations for creditors in banking, telecom, utilities, insurance and government.
NCRi is headquartered in Mississauga, Ontario, with a second Canadian office in Montreal and international operations including Pakistan.
If NCRi contacts you, don't confirm any personal details over the phone. Ask for written verification of the debt first.
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.
Contact NCRi
1-888-670-6274
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy 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.
Who does NCRi collect for?
NCRi collects debts for creditors in banking, financial services, telecom, utilities, insurance and government.
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.
Companies that use NCRi for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company NCRi collects for?
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.
Got a call from a number not shown here?
If you receive a call from a different number claiming to be NCRi, verify the debt in writing and confirm the details before paying.
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
Check your own report to see whether NCRi has reported the account and whether the information is correct.
What to do if NCRi calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your credit report to see what NCRi has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, NCRi might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
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. In most provinces the limit is 2 years from your last payment or written acknowledgment of the debt. It's 3 years in Quebec and 6 years in the territories, Newfoundland and Labrador, and Prince Edward Island.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
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
Send NCRi a cease and desist letter. Once they receive it, they have to stop phoning. The debt doesn't go away, and they can still take legal action.
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.
However, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. If NCRi is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
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 that NCRi is breaking any debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
NCRi locations
Locations that NCRi operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
National Credit Recovery Inc.
Also known as
NCRi Inc.
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
NCR Inc
FAQs
NCRi can garnish wages only with a court order. The debt collection agency must sue, win judgment, and request a garnishment.
They cannot deduct money from your pay without court approval. Wage garnishment rules vary by province.
Yes. NCRi might accept a lump sum settlement for less than the full amount or agree to a monthly payment plan. Get any agreement in writing before you make a payment.
A settlement shows as "settled" rather than "paid in full" on your credit report, but it clears the account.
The debt doesn't go away. NCRi can keep contacting you or recommend that the creditor take legal action. If a court issues a judgment, it can garnish your wages or freeze your bank account.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.