Debt discharged in Chapter 7 bankruptcy showing up on credit report

I just happen to pull my credit report about 2 days ago and I had discovered that I had a collection in the amount of $146.00 and the original creditor being BMG that was reported in my Experian credit report from this National Credit Solutions. I was so upset because I never saw this item before until now. I had read the report and apparently it was first reported to this company National Credit Solutions back in December 2008. I never received any type of written notice from National Credit solutions based in Oklahoma City, OK whatsoever on this debt.

I tried to dispute the item through the credit report website and received investigative results of this matter and it was complete. I do recall receiving some music items from BMG but that has been awhile ago at least 2-3 years ago.

I have the collection agency's telephone number but I am very hesitant about calling them and would rather communicate with them in writing in trying correct the issue and have the derogatory item deleted from my credit report in exchange for payment as soon as possible.

I am willing to settle the account for the amount owed providing that I receive the collection deletion off my creditor report in return for that payment .

I have already written the Collection agency a letter via postal mail and sent it certified and receipt requested, signature, have emailed and faxed that same letter in regards to making a full payment in exchange for deletion from my Experian credit report.

I would like to receive written correspondence from the National Credit Solutions on their company letterhead and a name and a legible signature.

I am hoping that I hear something from this company soon because I would like to have this matter resolved as soon as possible

Is there a general turnaround time to find out, if the collection agency accepts your offer. How does that work? Any information or input would be greatly appreciated. Thanks in advance.

I don't think this is accurate because my debt was reported December 2008. This debt was discharged as of chap 7 back in 2004 and now it's on my credit file with interest attached. I contacted Experian and they said it was valid. So now I have to provide the original bill and bankruptcy papers (which I just happened to have kept). Let's see if they get away with this. My credit score went down tediously.

Its like you wrote this post for me, the same amount was posted on my credit report the same month, from the same company. I'am not paying it, until they can prove that it was me who ordered from bmg music. I also plan on contacting the federal trade commission, and my Attorney General. This is a clear violation of my rights, to dispute debt before it is but on my credit report. As per the fair debt collection act. If I can find 4 other people with the same complaint I plan on sueing National Credit Solutions, you should consider at the very least disputing thr debt, and contacting the ftc, and your Attorney General. Companies like this make me sick, with what thay think they can get away with. If you need any help, or want to talk post again on here.

I had the same issue reported on the same day. Wow.. this is irritating me. I have not received any information from this company via mail, etc. I have not purchased BMG music for about 10 years. They need to contact me first and prove that I owe anything in order for me to pay this. This will affect my rates as I am in the process of buying a home. I dont' think this is accurate either as the dates are for Dec 2008

The 12/08 is either the date they first reported or the last update. Dispute the tradeline as "obsolete".

Its 2-20-09 and i just reeived my credit report and BMG music company was on there... I live in Arkansas and I have NEVER used this company. Its funny b/c you all say its listed for National Credit Solution, mines for 257.00....
Anyone find out anything about this scam please call me edited - ND
Thank you,
Nichole Bruorton

My story is the exact same... about purchasing music from bmg that i never purchased then noticing it on my credit report from national credit soultions Anybody who has resolved this issue please email me at personal info deleted - ND thanks


Please do not post personal info in a public forum - ND

I just spoke with an agent at NCO and this is a collection agency. The phone number is 800-384-0585. These are collections from about 6 or more years ago.. In order for this to be removed completely from the report it needs to be paid in full without a settlement.. they will also arrange a payment plan. I spoke with a guy named Cory who was super nice and very understanding. He suggested to start with a credti dispute and then see what happens before actually paying the debt.

I pulled my credit report and this is present on mine as well; however, I have a TOTALLY separate account with BMG and they told me that it was from an address from 6 years ago when I was in college. I had four roommates and there is no possible way for me to know who may have ordered in my name...WOW this is so crazy.

My story is the same. I pulled my credit report and discovered that I had a collection account with NCO for a purchase from BMG in the amount of $179.00 that I know nothing about. I have iniatiated a credit dispute but I doubt if anything happens from that. I will be doing more before I pay this account.

You Need to contact NCS and Dispute the Account and then call BMG (long hold time) and dispute it with them. I even tokld them that I had contacted the BBB about this issue and wanted to let them know. At first, they said that I had to call NCS b/c it was locked and they could no longer open it but I said you are the underlying creditor and subject to the BBB investigation since you sold this account that was never mine. They have agreed to call NCS and have the account removed... I will update once this happens.

I was in the same boat as many of you. Account from NCS appeared on my credit report in February 2009 listing a date of December 2008. My Experian credit score went into the tank when this happened.

Here's what I did:
1) Disputed the tradeline with Experian;
2) Sent a debt validation letter to NCS, certified mail, return receipt requested - there are many good templates for debt validation letters out there on the internet...shop around;
3) Sent the same letter to NCS via email;
4) Filed a complaint with the Federal Trade Commission;
5) Filed a complaint with the Pennsylvania (my home state) Attorney General's Office; and
6) Filed a complaint with the Better Business Bureau of Oklahoma City (NCS's home area).

My multi-pronged approach worked, as the tradeline was removed from my Experian credit report 6 days after I took action.

DO NOT pay this account if you have reason to believe it is not valid. You'll only be cementing that bad mark on your credit record for years to come, unless you successfully initiate a "pay for delete" arrangement with NCS.

Rather, dispute it via one, several, or all of the methods described above...you will definitely want to do #2, at a minimum. This forces NCS to prove the debt is valid or remove it from your record.

In my case, I had not done business with BMG in many years, so it was imemdiately clear that whatever debt I may have with them was well past the 7 -year mark for reporting.

Good luck!

I just had my only credit card, American Express, canceled because of a negative line item posted to my credit report in January from NCS. Apparently, they are posting fraudulent lines on various credit reports (I know my is fraudulent because I NEVER ordered anything from BMG.)

This morning I submitted a dispute with Experian. I am following the same action as PAGreg above. How dare they do this to us!!! They are making our credit reports worse and I spent too much time working on my credit to allow this bullcrap to happen to me.

I am very interested in the other letters who report problems with NCS. I, too, have discovered erroneous and damaging information on two of my credit reports. I was the victim of fraud several years ago and it took me years to get it cleared. Now this! No one has ever sent me a bill for any purchase or service. I'm writing my Maine senators to see if they can help.

OMG! I happened to stumble on this page while searching for a phone number to contact NCS. I too am going thru the EXACT same thing! I have a report 12/08 with a balance from BMG of $276!!! I plan on taking action as stated 3 post above!! Even though we did NOT order anything from this company, I was going to pay it not knowing that i had other options. Thank you!!!

I also had a collection put on my Experian credit report. I was first angry at National Credit Solutions (NCS) because they did this. They were also the only people who would talk to me. Then I realized the criminals here are BMG Music. They sold to NCS what they should have known was fraudulent debt. They made a profit off of something that was false. This I believe is a criminal act. I have filed a complaint with the states attorneys office in Indiana against them. NCS, while I have some anger for was just doing their job. They were trying to collect on what they thought was a legitamate debt that they purchased from BMG. If you contact BMG (correct number is 317-692-9200), they are useless. They claim they can't help you since they sold your debt.