Debt discharged in Chapter 7 bankruptcy showing up on credit report

So I had an ordeal with NCS. I have a few pointers for those of you that have found out that a negative account has been put on your credit report from NCS. I have to admit, I was scared when my credit monitoring service notified me that NCS had put a deliquent account on my credit report. I owed $120 from a business that was closing and it had dropped my score from 738 to 680. I did my research online which included reading the threads on this website. First, you can dispute the charge with NCS. In my case it was listed on my Experian credit report so all I had to do was go to experian.com and file a dispute. it's very easy. If you need help with this, let me know. Second, if you know this is your account and you do owe on it, call NCS at 1-800-384-0585. Do not believe the previous posts about not paying the account. Sure you can dispute it and NCS will probably just notify the credit bureau to delete it from your account. But remember: the account is still past due and even if it's not with NCS anymore it can be transferred to another collections agency and may show up on your credit report. I spoke with an NCS representative who was very nice and informed me that if I paid the account, it would be deleted from my credit report. This is true! I paid it and it is no longer on my credit report. NCS will work with you and removes accounts after they have been paid from your credit report. Just remember: pay the account if you can or pay in installments after you speak to NCS. This does not cement the negative account in your credit report. It removes it. If you do not pay it it will show up sooner or later. Any questions-let me know and I'd be glad to help!

just one question.who was this suppose to convince?this is a JDB bottomfeeder.pure and simple.let them sell it to another bottomfeeder.alot of schpiel that was a bunch of nonsense.

same thing. I just found out this last week when going to add my name to new husbands credit union bank. they wont touch me because I supposedly have money owing to BMG, which I never ordered. We all need to find out about a class action suit. what does everybody think. there would be alot of people after them, for ruining our credit, for false charges. Will check back to see if any one might be interested in that, with punitive damages added.

I smell a class action lawsuit, they have a $99.00 debt listed on my wife's credit report and we have never purchased anything from them. If everyone lists their email I will submit this to the attorney general.
Owen

I also had something show up on experian credit report. NCS said I owed $122.00 in late charges for a movie that belonged to Movie Gallery in 2010. All though MG went bankrupt in july of 2010, They say I still owe it. But, we had been using netflix since 2006 and the movie turned out to be a X-Box game not a movie. We told him we had not recieved anything via phone call or mail from MG about the item being late and did not recognize the title. We asked him to send a copy of signed rental agreement for the Item. He informed us he did not have to, it was our responsiability to prove we returned it. I called Arkansas attorney general and sure enough they had been getting several complaints of credit alerts appearring state wide.

After debt discharge on chapter 7 this is going to show up in your credit.

when you asked for proof did they send you a receipt showing who signed for it? I am having the same problem. i did not rent this game and refuse to pay but how can i get them to leave me alone?

same thing happened to me with Columbia House. I checked my credit report and saw this debt that I owed. I wasn't even in the country at the the time and would like to start a class action lawsuit. Is there anyone with me on this?

I have a collection for $36. ONLY on experian, go figure, and it took my credit score down by 50 points. I DID have an account with Columbia House, um 8 years ago, which was paid in FULL and the contract was fulfilled. So, even IF there was a debt, which there is not, it is beyond the statute of limitations. I was NEVER sent notification of this debt, and NCS claims I am beyond my window to be able to dispute it...i need HELP!

Yea I am dealing with them also. And the posters faking like consumers need to take a long walk on a short bridge. So what if they sue they still have to prove to the courts you did it. Respond to their lawsuit saying you did not order these and you told them numerous times and they file a frivolous complaint in retaliation of your request for validation. They probably try to use the lawsuit to scare you into settling cause some people have this big fear of going to court and settle instead of going to court. It is on the plaintiff to convince the court that you actually owed it since you said you did not. If that was the case police could take people to jail and say the killed someone and don't have any evidence at all. Its all a game of prove it and if they can't prove it now then they won't be able to prove it then. And I recommend not sending you signature also on your letters. I don't sign anything that I send collection agencies cause they are known to forge signatures. One thing about collectors they use lawsuit to put fear in your heart. Tell them okay see you in court AND MAKE SURE YOU SHOW UP. But NCS is only based in Oklahoma and if they try to sue everybody they would have to pay for their lawyer to fly there and appear before the court only to lose. I deal with alot of ordering and everything that I order from Amazon and ect. request for signatures for proof of delivery. So if you received something from these supposedly companies they should have tracking records and your signature if you actually order and received it. And do not be on the phone unless you are recording the calls for you record. They record the conversations you should too for you protection if you not going to do that mailing is fine. A company shouldn't have a excuses about mail when they ask you to mail it in. But everyone that never had any business relations with the companies they report should report it to the BBB, FTC, and your State Attorney General. And if they receive you notice of validation and ignore it report that also. Keep your report and send it to those sorry a** credit Union and say how they capable of validating with you but they can't provide proof to me. You want to know why all NCS have to respond back to the credit union is yes they do owe the money that is why it will not be removed. The credit Union don't actually do an investigation they don't as for a copy of the contract or signature nothing. They should just remove that service from their websites.

I've had the same problem. I never received any sort of statement in the mail, nor did I receive a phone call. I found out that it was on my credit report when me and my family applied for a mortgage. I sent an email asking that they please send me a DETAILED bill of what was bought and what was owed. Then about two or three days later all I received was a letter from the debt collector stating that I owe them money. I found that to be funny because I've never received a statement in the mail, yet they automatically send me a notice once I emailed them. I didn't disclose my address, yet they send me something. I'm assuming they've had it all this time and absolutely failed to send me a so-called statement simply because it's fraudulant. I found out online that BMG doesn't exist anymore and that they're trying to collect on whatever they can now even if it isn't legit. I just called the debt collector (National Credit Soutions, LLC) asking yet again for another detailed bill stating what was bought. I ended up having to leave a message because they were not open or nobody answered. It was before four oclock, and their letter stated they close at five my time. If I have the same problems as listed above then I will have to get my lawyer involved with it.

If you assert that the debt is not yours and back up your assertion with a police report, you can mail the police report (FCRA 603(q) calls this an identity theft report), along with proof of your identity, and a statement that the debt is not associated with any transaction of yours, to the CRA.
This letter is sent under FCRA 605B, and requires the CRA to block any further inclusion of the information in your CR.
Of course, this does not remove it from your credit file, and a direct dispute under FCRA 623(a)( should also be pursued. Include the same police report in your dispute. 16 CFR 660.4(d)(3) specifically recognizes a police report as supporting docuentation for an "account/debt not mine" assertion.