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NCC (National Cred-A-Chek) · Casino credit reporting

Denied casino credit because of an NCC report?

NCC, National Cred-A-Chek, Inc., gives casinos gaming credit, bank and identity information used to approve markers and check cashing. If your NCC file is wrong and the company won't fix it, the Fair Credit Reporting Act lets you sue.

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Who NCC is and who relies on its reports

NCC, legally National Cred-A-Chek, Inc., is a casino credit reporting company. Its website says it was founded in 1976 by Diane Hunt, built its reputation on bank ratings for hotels and casinos, and now provides financial and intelligence reports to casinos, including an online portal for reviewing a player’s financial and gaming history and a hosted application for casino credit, front money and check cashing. Its site also lists identity verification, source of funds, know-your-customer, bank verification and credit services and a network of more than 300 casinos.

The CFPB’s list of consumer reporting companies says NCC provides consumer data to help gaming establishments manage credit and fraud risks, that it is owned by NRT Technology Corp., and lists a San Diego, California address. NRT announced in April 2018 that it had acquired NCC and said NCC’s cloud platform complies with the Fair Credit Reporting Act.

If a casino turned down your marker request, cut your credit line or refused to cash a check, an NCC report may have been part of the decision. NCC is one of several casino credit reporting companies; Central Credit, LLC is another.

Errors that show up on NCC reports

Casino credit files combine marker history from many properties with bank and identity data. Problems consumers report include:

  • Paid markers shown as unpaid. A marker you redeemed or repaid still listed as outstanding.
  • Mixed files. Another patron’s gaming history attached to your name.
  • Identity theft. Credit applications made in your name by someone else.
  • Wrong bank data. Inaccurate bank verification results that make your account look unable to cover a marker.
  • Obsolete items. Negative history older than the FCRA allows.
  • Rubber-stamp disputes. A dispute closed after the casino simply confirmed its own records.

How to dispute NCC

NCC’s website gives a report request form and contact details but no separate dispute form, so use these channels:

  1. Ask the casino why you were denied. NCC’s request form reminds consumers that questions about a credit application’s status must go to the casino. A casino that denies you based on an NCC report must say so in an adverse action notice.
  2. Request your report. Use NCC’s free report request form. It asks for your name, the last four digits of your Social Security number, phone number, bank name and last four digits of your account number, the casino name, your current address and, if you have moved in the last two years, your previous two addresses. You can also call (800) 421-2168. The CFPB says NCC provides one free report every 12 months on request.
  3. Dispute in writing. Send a letter identifying each item that is wrong, why it is wrong and what it should say, to the address on NCC’s CFPB listing: NCC, 3770 4th Ave, San Diego, CA 92103-4203. You can also fax NCC at (619) 296-9115 or email [email protected], but do not email your full Social Security number.
  4. Attach proof. Marker payoff receipts, bank statements, casino letters or an identity theft report.
  5. Dispute with the casino too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
  6. Keep copies of everything, and use a mailing method that proves delivery.

How to contact NCC

  • Free report request form: nccreports.com/request
  • Phone: (800) 421-2168 toll free, or (619) 296-0900, Monday to Friday, 7 a.m. to 4 p.m. Pacific
  • Fax: (619) 296-9115 or (619) 255-0914
  • Email: [email protected]
  • Mail (per the CFPB): NCC, 3770 4th Ave, San Diego, CA 92103-4203

Your rights under the FCRA

  • Accuracy (15 U.S.C. § 1681e(b)). NCC must follow reasonable procedures to assure maximum possible accuracy of the information it reports about you.
  • Reinvestigation (§ 1681i). After you dispute, NCC must conduct a reasonable reinvestigation, free of charge, generally within 30 days, notify the casino or other furnisher, and correct or delete information that is inaccurate, incomplete or cannot be verified.
  • File disclosure (§ 1681g). You may see all information in your file and its sources, including which casinos have requested your report.
  • Free disclosures (§ 1681j). You are entitled to a free copy within 60 days after an adverse action notice, and the CFPB says NCC also provides one free report every 12 months on request.
  • Permissible purpose (§ 1681b). A casino may pull your report only for a purpose the FCRA allows, such as reviewing your credit application.
  • Reporting time limits (§ 1681c). Most adverse information older than seven years may not be reported.
  • Adverse action notice (§ 1681m). A casino that denies you credit or check cashing based on an NCC report must name NCC and explain your rights.

Can you sue NCC?

Yes, if NCC reported inaccurate information because it did not follow reasonable procedures, or if it failed to reasonably reinvestigate after you disputed. Examples include a repaid marker that stayed on your report as unpaid after you sent proof, or another patron’s history mixed into your file.

What you may recover. For a negligent violation, you may recover your actual damages, such as lost credit, out-of-pocket costs and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

The deadline. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Keep the casino’s denial, your NCC report, your dispute and any response.

Get a free case review

If an NCC report was wrong and the company would not fix it, act promptly. FCRA Attorneys represents consumers in federal court on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice and the other companies we cover.

Questions about suing NCC (National Cred-A-Chek)

Can I sue NCC?

Yes, if the facts support a claim. The CFPB lists NCC as a consumer reporting company that provides consumer data to help gaming establishments manage credit and fraud risks. If it reports inaccurate information without reasonable procedures, or fails to reasonably reinvestigate your dispute, you may have a claim under the FCRA.

Who owns NCC?

The CFPB's listing says NCC is owned by NRT Technology Corp. NRT announced on April 11, 2018 that it had acquired privately held National Cred-A-Chek, Inc., which it described as an information provider for underwriting casino credit markers serving more than 300 casino operators.

How do I get my NCC report?

NCC's website has a Request a Free Copy of Your Report form, and you can call (800) 421-2168 or email [email protected]. The CFPB says NCC provides one free report every 12 months on request.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

Sources

Updated November 2026. This page is general information, not legal advice.

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