National Debt Holdings works for originating creditors to recover funds from past due accounts. If NDH is appearing on your credit report, it is because your originating creditor is utilizing our collection agency to collect on funds from an overdue account in your name. Once your account has been placed with us for collection, National Debt Holdings will appear on your credit report. If you have questions about this process or questions about your account, our representatives will work with you to help you understand the process and make a payment. For further assistance, please call our representatives at 877-277-5571, Monday through Friday from 9am to 5pm.