Debt discharged in Chapter 7 bankruptcy showing up on credit report

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.

I pulled my credit report on 3/14/2009 and noticed the same Collection account for $146.00 from the same company. National Credit Solutions. I have not purchased anything from BMG and it states that the account was opened 12/2008 and They placed a derogatory condition on my credit report for this account on 12/21/2008. Even if I did purchase this crap, and I did not, Who reports to the credit bureau in 21 days? Someone please let me know what is going on with company so this can come off of my credit report.

I just got on the web to search National Credit Solution (NAS) collection so that I can call them about an entry that was entered on my credit report stating that I owe BMG $161 for an account opened in Dec 2008. Once I did that I found that so many others rec'd these erroneous charges. I too asked Experian to investigate and was told it was complete. I am going to do all I can to get this off credit report as I have never opened an account with BMG and not liable for those charges. I have been working so hard to keep my credit report clean and this brings my credit score down. This is wrong and I'll continue to update you all with my progress. Please continue to post your experience. The authorities ought to investigate all these complaints

I never had a BMG acct in my life now NCS said I owe them 257 and the CDs was sent to a PO BOX.
I already disputed it trhough experian but they said it took them 30-45 days to investigate it. Please help, i am in the middle of refinancing my house.

Was the acronym for National Credit Solutions CRDT SOLUTNS? There is some company on my credit report reporting an account from The First Bank of Delaware for $480. I have researched all over the internet trying to find this company so I can send them a debt validation letter but cannot seem to find this company anywhere. If anyone knows, please email me asap at e_dubble_d[at]yahoo[dot]com

Just received a message for my credit report this morning with this company listed and $135.00 debt tacked to it. Have absolutely no clue what it's about (doesn't even read BMG anywhere on my credit report). Has the same listed date as all of you (December 2008) with a 1 month "no payment" listed. Received a call about 3 weeks ago, and a young lady told me something about $135.00 debt for a medical bill from 1997. I asked her for specifics because I had no idea what she was talking about and she told me she had no specifics (I guess not from 1997). She then transferred me to a answering machine that requested all my pertinent information (including SS#). I hung up believeing it was a scam (and I certainly wasn't going to leave my SS# on an answering machine). I just disputed the item on my Experian account and will be calling this NCS later today once they open. I'm at a complete loss at to how they get away with stuff like this.... I find it interesting they can find my unlisted phone number to call me but they can't find my home address to mail me what this is all about? I've never even received a voice message from them stating what this is about. It just so happened my husband picked up the phone three weeks ago and it was this lady talking about a medical bill from 1997.

Here's what I don't understand outside of all this... How in fact can a collection agency contact you for something that's over 10 years old? Whether it be BMG, Medical Bills, etc? And then how can they place something on your credit record when they haven't even sent you a piece of mail (something tangible), that explains what the collection is about? This is all too weird to me!

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 $197.80. I was going to pay them until ran accross this and saw several other people have this occuring to them.
I was going to pay it just to get if off my credit,but now after seeing this, I will dispute it.

I just got off the phone with BMG about a 176.00 balance that should not be on my credit!! I have been given the run around so many times it's ridiculous! They won't let me speak to a manager and one agent even hung up on me. I am given different collection agencies each time I call, with of course different numbers. I'm so frustrated!

To PAGreg i'm going to take your advice and take the necessary steps and hopefully I get the same results!

Hey you said you are planning to sue?!!
my e mail address is L a u r a. E b a n k s @ g mail {dot} com
any one else with help or information regarding BMG and this National Credit place please write me!!!

This is absolutely ridiculous!! I have worked hard like many here to improve my credit rating and now I have to pull a credit report to dispute NCS's error!! I was just notified by a monitoring service I have that a collection was entered for $270 on 3/25/09. From the sounds of this thread...it must be BMG music---haven't done business with them for over 15 years!!! and filed BK on that over 10 years ago. Of course the phone number for NCS 405-619-3630 is always busy.....I wonder why? :roll: I sure don't have time to be dealing with this abuse but will follow-up with the recommendations from previous posts. Will keep an eye on this thread to see how others do.

Hey you said you are planning to sue?!!
my e mail address is L a u r a. E b a n k s @ g mail {dot} com
any one else with help or information regarding BMG and this National Credit place please write me!!!

I TOO HAD MORE SCORE DROP 100 POINTS BECAUSE OF THE SAME ISSUE EVERYONE IS HAVING BMG SAID THE DATE IT OPENED THE ACCOUNT WAS 12/2008 AND REPORTED IT 3/09 I NEVER RECEIVED ANY MERCHANDISE FROM THEM. THEY SHOULD BE BROUGHT TO COURT. THEY ARE SCREWING ALOT OF PEOPLES CREDIT UP AND THEY SHOULD BE SUED.

If anyone wants to be a part of a class action lawsuit againsts this company email me at natbug81(at)gmail.com this company needs to be brought to there knees!

I have 3 entry from the agency. I've called them and found out that one was under my sister name and the other two she said that it was from BMG which I never received anything from them. I know that my sister ordered from them in the past but not me. I've sent April identification to proof that was not me, and she agreed over the phone to have the one under my sister name removed and it is still on my credit report. I disputed it with the credit bureau and waiting for the investigation result. I sent them yesterday via email a debt validation letter.


what else should I do?

I just found out the same, I have no idea where this came from, my price was $211, i have never had credit cause im only 20 yrs old, and i was trying to start credit, and they said that the same thing thing u guys said was on my credit report, If any of you figure out anything or have any ideas please email me [email]Bouncebak41@yahoo.com[/email] cause i am panicking cause it seems like I have bad credit, and HAVEN'T DID ANYTHING

I too am having the same problem & I contacted experian, federal trade, attorney general, bbb & wrote ncs a letter to validate it & of course they sent me a bill well anyone can print out a bill & make up an account number and say hey you owe this. It does not state what cd's I purchased I have to figure out the next step. I know I did not purchase anything from them within the last eight years & I cannot remember anything before that. I dont get account open 12/08 & in collections in 3/09 I never received a bill before this. I suggest everyone complain as I did to all the companies I did & if there is enough comlplaints hopefully they will be investigated & brought to court

I too am having the same problem & I contacted experian, federal trade, attorney general, bbb & wrote ncs a letter to validate it & of course they sent me a bill well anyone can print out a bill & make up an account number and say hey you owe this. It does not state what cd's I purchased I have to figure out the next step. I know I did not purchase anything from them within the last eight years & I cannot remember anything before that. I dont get account open 12/08 & in collections in 3/09 I never received a bill before this. I suggest everyone complain as I did to all the companies I did & if there is enough comlplaints hopefully they will be investigated & brought to court

Luckily now, credit companies must PROVE you owe the money. Anything sent to me via a collector, I call the company the bill supposedly originated from. I received a bill from a collector I supposedly owed. I called the company I "owed" the bill for. They said I was correct in that it had been paid years before! I told the collection company it had been paid on "11/11/11" via the company's own records and to check with them. They dropped the matter. I had a few wayward bills when I was unemployed for a time. When I was able to pay I worked with the company I owed them to and ignored the collectors. Then I kept my records until I was certain the charges showed paid via the collectors. I wasn't about to deal with rude screaming collectors. The companies owed are always respectful. If I ever owe a bill again, I will contact the company owed--not a collector.

I have been reading, with great interest, all these posts. BMG/Sound and Spirit have changed their profile and will no longer be a "music club" as of April 30th, 2009. We were refinancing our home and had the same derogatory credit reported in December 2008. I called the number on the credit report which was NCS. My problem was, we ARE current members with Sound and Spirit and have always had a great relationship with them. I had just cashed in my "bonus music points" and received free cd's! BMG erroneously reported us as never fulfilling our membership agreement, which we had...we have been members in good standing for 5 years! Anyway, my fight is now with BMG to retract the info from NCS...they are not very easy to reach!!! I will keep you posted to the outcome.

Same here! I live in reno, nv and I nor my husband have ever purchased anything from bmg music! it was listed on his credit report december 2008 and they want 162 dollars!! what? I immediately talked to a woman on the phone who admitted to me that they had my husbands name but wrong address! I told her that I wanted proof of the debt and here it is April still no letter form them. I sent them a certified letter asking them for proof of the debt and that they had 30 days to respond or I would contact an attorney and sue for damages. They recieved the letter on monday April 20th so I guess We'll see what happens. I think we should all bond together and start a class action lawsuit.

I am in the process of purchasing a home and this mess should up on my credit report about a two weeks ago. The thing about this hot mess is that I never ordered anything from these people. When I contacted them they said that the bill was from 2004. I don't care when it was I never got anything from these people. I am in the process of disputing this claim with the big three creditiors and I sent a certified letter disputing the claim with a signature return. How could they just put this crap on my credit report. It pulled my score down about a hundred points. No one tried to contact me about this bill. I did not receieve music, a bill from BMG nor did I receive any type of collection notice.

This is outragous and I am ready to make someone pay!!!! and It's not going to be me!

I want to be a part of the class action sue to sue BMG and NCS for puting this crap on my credit report!

I am so glad I stumbled on this too. I live in Arkansas and just noticed this on me report! Thanks for the advice, I will be filing those letters and disputes ASAP

Hello, everyone. I am sending NCS my second dispute letter certified mail as we speak. My credit score was a 740, I wanted to purchase a BMW with no money down only to find out my credit score was shot down to a 690 due to NCS. The account was for BMG for a total of $253. I have never had an account with them and I am a victim of identity theft. Even once this account is deleted from my account, my score will not go up to a 740 again unless I get my credit to debt ratio down. Other than that, I will have to but $1,000 and get an interest rate of 8% if I get the BMW at this moment. I'm not seeking a credit consultant to see what I can do to get my score back up to the 740. I'm really to submit my info to anyone who wants to file charges!!!

My wife and I had our credit report pulled as we were trying to get a 1st time home loan. I see this on my report saying original creditor is BMG music and original amount is $28 and amount now is $172. It was posted on 12/08. I have actually just printed off my validation letter and will getting it into the mail tomorrow along with a few others from my report. I found this template of a validation letter on a law site so if you would like to copy and paste it into MS office or something go ahead. Just obviously replace the name address and stuff with your own info. Below is the following letter.
--------------------------------------------------------------
Your Name
123 Your Street Address
Your City, ST 01234

Scum Bag Collections
123 *** vulgar language deleted Ave
MYOB, IN.

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for ???verification??? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

What the money you say I owe is for.

Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgment if applicable.

Identify the original credit.

Prove the statue of limitations has not expired.

Identify the original creditor.

Show me that your are licensed to collect in my state.

Provide me with your license numbers and registered agent.
#



At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau???s (Equifax, Experian or Trans Union) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act

Violation of the Fair Debt Collection Practices Act

Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Signature
Your Name

Hopefully this works as I tend to be completely totally 100% debt free including my house June 2010. But then the wife and I are moving to AZ and buying a new home.

Same as about posted on my account Dec 2008 never ordered music from BMG or recieved any debt collection before it was placed on my credit. I am willing to help start a class action law suit.

I just stumbled across this thread as well! Was tryingto research tihs company after finding a negative line on my credit report. They say my account is for Columbia house, not BMG. Thanks for the tips!

Same story... $211 dollars on my credit report from BMG (NCS) when I have never ordered anything from them. I called BMG and they told me they'd escalate the issue to have it removed from my credit report. We'll see if they actually do.

I have the same issue with NCS, said I bought BMG CD's in 2005. Somehow they slammed the collection account to my credit file due to an old address I lived at for 4 months! Problem is I never received mail at that address I always had a PO Box. It hit my credit file 12/2008. The company sent me a letter stating I owed them money and NCS calls that "validation".

has anyone used smartcredit.com to manage their credit repair?

Well...like the rest here, I also had a charge added to my credit file on 12/08 . Followed the advice and sent a certified letter to them and disputed the charge on my credit file. It was originally only listed on Equifax. That one was finally deleted and now it shows up under Experian under National Credit Solutions and that dispute is coming back as remaining !! Had to dispute it again. ADDITIONALLY..the certified letter I sent requesting information from them etc....has NOT to date been answered. They signed for it on 4/9/09. If they don't respond...what then? What would be the next step? Any information about that would be appreciated.

How ironic that most of us here are having the same date and pricetag on our reports. Isn't BMG required to hold on to something stating that the account was origionated with them and furthermore are they regulated to tell us about the debt being purchased by another company? When I called BMG, they told me they had no record (past nor present) of myself having any accounts with them. Who is regulating these incompetent and fraudulant companies??

This exact thing and exact date of December 08!
I'm following the advice of PAGreg. I'm not going down with out a fight! I haven't bought anything from BMG for 20 years!

I am actually thankful I found this post. I pulled my credit report for the first time ever (I am 25) recently and like everyone else here. Plain as day, there was NCS date opened 12/08, my husband pulled his report and it shows NCS date opened 11/08. I actually printed a PFD for NCS for both of us. Now I am taking them to the shredder, since it is obvious that this is a scam. My husband nor I have EVER purchased anything from BMG. I am greatful to know that we have options other than paying for a debt that is not ours. I will be following the course of action mentioned by PAGreg. Thank you all

National Credit Solutions / BMG is running a scam on bogus debt that is years old.

Here is what I suggest you do if you receive a letter from NCS, BMG music and or Capital Assistance Group if you do not owe the debt.

1) Call 1-800-384-0585 and tell them you want proof that you owe what they are claiming.
2) Send an email (above) requesting proof.
3) Send a fax to 405-619-3631 requesting proof.
4) Mail them a letter with a return receipt to:

National Credit Solutions
PO Box 15779
Oklahoma City, OK
73155

or

National Credit Solutions
3675 E I 240
Oklahoma City, OK
73135

Based on the many complaints I have read on Ripoffreport.com including my own experience they probably will not provide the proof and hope you just pay it.

If they try to use strong arm tactics like they did with me then report them in a professional manor to the BBB and the Association of Credit and Collection Professionals at (952) 928-8000 ask them for a complaint form and explain in a professional manor what happened. It is easy to let your emotions blurt out what happened but, that will only muddy up the water just stick to the facts and don't be sarcastic.

Here is an outline of what they have done to me that I reported to the BBB and ACA.

-Requested proof of debt on these dates, mail, phone call, email, fax....no response. Spoke with Blake Taylor at extension 112 and was told proof was on the way. Never happened.
-Use of strong arm tactics (threatened to access my credit report on a daily basis which can lower your score, was told I had to prove the debt was not mine before they would do anything, hung up on me when asked repeatedly for a copy of proof that I owe what they are claiming, negative report on my credit file before I was given the opportunity to review the debt and pay off if it was mine).

If warranted contact a lawyer and or the Oklahoma Attorney General for help.

Finally I also suggest you contact Chris Murphy at 617-965-2000 x 2530
I found Chris to be quite helpful in coming up with a solution to this problem.
Capital Assistance Group they apparently own BMG music and associated debt.

There are many resources if you do a little digging on the net. I hope this helps!

I have the exact same problem as all of you above and I just found out about it a few minutes ago. I'm gong crazy here! Has anyone been able to solve this problem? How?

Unbelievable. Had the exact same thing on my credit report, only found out when I applied for a Student loan for my daughters senior year. WOW. I can't wait to call tomorrow! Has anyone filed a lawsuit?