Debt discharged in Chapter 7 bankruptcy showing up on credit report

Okay so I am in the same boat, but has anyone actually been able to have this problem corrected yet?

Dealing with National Credit Solutions (NCS)...so you noticed they reported something on your credit??

This means that the account has been overdue for a long time and the original creditor has transferred your uncollected debt to National Credit Solutions for collection.

You may or may not have been contacted by the original creditor for attempts to receive payment before they handed over the account to a 3rd party collections agency. I actually found out that once the account is handed down to a collections agency they have the right to report it to the Credit Bureau without notification (With the exceptions of 3 states only). NCS is a certified and licensed collections agency and uses credit reporting and skip tracing.

What does this mean if something???s on your credit? As time goes by interest and late fees build ( according to what your state allows) and your credit score is dragged down. A low credit score has many disadvantages including its affect on job eligibility, high interest rates, high insurance premiums, and difficulty acquiring loans or purchasing a house or car among other things.

NCS contacts the credit bureau ever Friday for updates. This is faster than most agencies (that often contact the credit bureau every month making any updates and clearing your credit a much slower and strenuous process.)

After NCS receives contact from you or contacts you personally, 5 days from this initial contact you will receive a letter stating your rights and the amount owed.

After receiving this first notification from NCS you have 30 days to send in a formal written request for validation. WRITTEN. After these 30 days NCS is not legally obligated to send you a validation but may or may not as a common courtesy.

What are your options?

It is very important to resolve any issues with collections agencies in order to avoid increasing fees and most importantly to maintain a good credit score. Some people might say don???t pay, reporting to your credit is just a bullying tactic. This is bad advice because the longer you wait to pay your debt or if you do not pay it at all it only hurts you, your credit score, and costs more in the long run. In extreme cases your credit card may be cancelled, you may be refused a loan or unable to make any serious purchases.

Full payment, payment plan, settlement

There is a difference in each of these options and how it affects your credit report. Also keep in mind that the quicker you resolve your debts with the agency the better -- as the account sits in the system it accumulates interest fees and becomes more and more expensive with time. Stay calm and make an informed decision, but do not blow your payment off. This only costs you more in the long run.

Full Payment
Sometimes time is an issue. Payment in full is the quickest solution and fully restores your credit.

Payment Plan
National Credit Solutions offers various payment plans over extended periods of time based on how much you are financially able to pay. This process takes longer to clear your credit but eventually does. They allow automatic withdrawals according to the payment plan you have established.

Hardship Settlement
On a case by case basis NCS may or may not qualify you for a hardship settlement after assessing your situation and financial standing. Different factors affect their ability to settle such as ownership of the account and small factors that dictate different types of accounts. If you settle your credit report will show that you settled for less than the legal amount owed. They can't guarantee to what degree your credit will improve however a paid or settled account is much better than an unpaid account.

Talking to them on the phone is much easier than mailing everything back and forth (that takes forever!)

They will encourage you to pay over the phone because it is "secure, fast, and reduces errors." I guess if you mail in the payment it takes longer to close out the account and at times this can interfere with payment in full ...(due to the amount the check was made out to verses the new total with the additional fees that accumulated in the few days that your payment was in the mail.)

After you pay how long will it take to get it off your credit report?

NCS reports to the Credit Bureau with any updates every Friday. This ensures quicker updates than many other agencies out there. But NCS can ONLY notify the Credit Bureau and after that it is their obligation to make any changes as they see fit. The time that it takes to see any immediate results or removal varies??

Procedures: Request verification, cease and desist, dispute

Requesting a validation
If you do not remember the alleged transaction that has incurred debt under your name or you do not trust the agencies allegations you can formally request a validation. It is important that you send in a WRITTEN request that very clearly states your demand for verification. If you request validation over the phone you may hear from collectors that the agency is not obligated by law to give you validation unless they receive a written request. It is also important to save any documents you receive including any validation documents. The agency will have all interactions carefully document and once they have sent you one validation they will not send you subsequent copies.

When the agency receives your written request they have 30 days to respond with a validation letter. Validation includes an itemized statement of your transaction, contact information of the original creditor, and your last known billing address.

Once you receive validation this means that the debt is in fact under your name and the agency that you are dealing with has legal authority to collect the debt.


Cease and Desist vs. Dispute

cease and desist is a WRITTEN request as well and does not make debt go away. Requesting cease and desist will simply terminate any written or verbal communication towards you from NCS employees. The debt will still show up on your credit report, the account is still open, and all that stuff.

If you are disputing the debt it is best to file your dispute through Transunion.com or experian.com, or mail it directly to NCS addressed to the right person.

IF YOU ARE FILING A DISPUTE...
1.) After a dispute is received by NCS they commence an investigation that can take up to 30 days. After the investigation it takes a while for them to get back to you.
2.) You must provide proof

If you feel that this debt is not yours and you have legitimate proof to clear the account from your name then file a dispute.

If you simply state that the debt is not yours and provide no proof your dispute really won't get you anywhere. If for example you are disputing the debt on the grounds of identity theft you must provide a police report and the identity theft affidavit for that relevant period of time when the debt occurred.

LOTS OF INFO. have any questions???

I just noticed the same thing on my credit report and I am very upset. I can't believe they did this ... I know nothing of this debt and have never received any information from them. They are a bunch of crooks and they need to stop this craziness.

i just did my freecreditreport and found this charge from bmg music which has really messed up my good credit. i have never ordered any thing from them and i want it cleared up

I followed all of the steps above and received a BMG account number from NCS as "validation." I disputed it with Experian and they denied the dispute. Neither can provide me anymore than a BMG account number. No proof that I actually signed up for BMG, signed contract, what I ordered, etc.

Can they really do this?

WOW!!!
I was shocked when I went to look at my credit report and saw the BMG Music on my credit report. $146....I have never used and or signed up for anything with them. I freaked!!! I went to their website and found that there was nothing to contact anyone. So I searched and found only one number that works.....812-466-8636. The only problem is they have never heard of me, and show no account for me but asked if I wanted to set one up. HELL NO!!!
Anyways, I found this site and did what the past few posters above have done. I have reported to the Experian that that was not done by me and that it needed to be removed. It says up to 30 days...I hope if gets removed quicker than that. But I will also send an email and mail a letter of debt Validation to NCS.

THANK YOU TO EVERYONE FOR THE HELP!!!! :)

Apparently NCS rcvd several "accounts" from BMG in 12/08 because that is when mine was reported too. I know nothing about this account. Although they have my current name on the account, i was not married at the time they said the account was opened which was 5 years ago. Therefore I do not see how I could have opened an acct under a name that wasn't mine. Something is definately not right. They claim I had an original balance of $35 but that the current balance is $167. I have disputed the debt following the steps recommended by PAGreg. I hope I see a quick response b/c this can affect the home loan I am trying to obtain.

This showed up on my experian report as well back in December 2008. fortunately it did not affect the refinance of my house back in Feb or the new car purchase I made today. But back to my situation. I sent them a letter requesting validation of the debt and filed a complaint with the Oklahoma BBB and got my response today. It details my alleged purchases back in 2004 and where the CDs were mailed to. The best part is that I did not live there in July 2004 when these charges happened. I moved to my current location back in March 2003. The CDs that were ordered are ones that I wouldn't listen to anyway. So I filed my rebuttal with the BBB today and am now going through the Association of Credit and Collection Professionals. I will let you know how I make out. :evil:

I just looked at my credit report and saw that I am 'deliquent' in the payment of $213 for owing BMG MUSIC SERVICE an original amount of $30 since December 2008. I have never heard of this company and I never bought anything from them. Even the fraudulent collecting agency called NATIONAL CREDIT SOLUTION never contacted me for one day before they put this crap on my credit report. I may pay this amount just to get it out of my credit report but is there any thing that can be done to stop this robbery? Is there anybody looking out for people so this fraud will not continue. I'm thinking about writing a petition and filling it with the police in the near-by station because this is an unbelievable fraud being carried out by this fititious company in collaboration with NATIONAL CREDIT SOLUTION

Filled out my forms to be mailed to the NY State Attorney General's Office on Monday.

So I've noticed a lot of people saying they want to start a class action suit, but has anyone actually started one? I want to be a part of it. Let me know how I can join.

I am in a similar situation but they are saying they sent me to collections in 2003. In 2003 I wasn't even 18 years old yet.

Am I legally obligated to pay this (regardless of whether I actually ordered or not) if I was only 16 at the time of signing up?

Same thing happened to me for $184 on a Columbia House Music Club debt. . . this is crazy. I am going to take the advice above about sendinghte Deb Validation Letter; I already did an online dispute to Experian but it also shows on my Transunion report.
Consumers beware.

I have the same problem. $250 debt is reported on Experian by BMG / National Credit Solutions on 12/08. I called them up they said I ordered CDs back in 2001 and Sep 6, 2002 the acct was closed by BMG for non payment. Have no idea who they are and who ordered the CD's. I sent a letter to National Credit Solutions on May 13 2009, and called today to follow up, they said they never got the letter. faxed another one today, let's see if I hear back from them, if not I will complaints.

Yeah I am not Happy. My credit report shows $232.00. I had just gotten caught up with my bills. I did not even owe this much I owed less than $100.00 to BMG music. I did not even get a bill that this would be on my credit. I plan on paying because I cannot have my credit ruined.

I have been trying to get my score to improve. I requested my credit report and saw that NCS repoted a past due balance of 244.00. I then tried to dispute because I do not recall having an account with BMG. Experian sent the results back stating that the account will remain. NCS never sent me a bill. Since I made the dispute they have been sending me statements at my new address and calling me. I have always kept an up-to-date address on file with the credit bureaus. Now all of a sudden they can contact me, it seems strange.

I just happened to stumble across this page while looking up NCS. I too have the same issue, 12/08 debt opened and reported in Feb 09 on my credit report. I am using the steps a person above listed to fight it. Lame!!

This has also appeared on my credit report today and I have never ordered anything through the mail in the last seven years. Has anyone had this deleted?

I have the same issue I have never received anything from BMG music and I seen a collection for national credit solutions on my credit report

don't bother filing a report withe the BBB. It won't do you any good. I didn't even live at the location at the time of these alleged purchases. They have not been able to provide me with a customer agreement or contract. All they say is that the debt belongs to me. Which it does not. I filed a complaint with the Federal Trade Commission and the NYS Attorney General. This was just done last week so I am still waiting to hear from the AG's office.

Feel free to leave some comments for him!!!

nationalcreditsolutionsinfo.blogspot.com/

NCS is after me for an invalid debt. They have trashed my credit while refusing to send me any validation of the debt. Somehow they came up with some weird way to validate it with Experian (even though it is totally invalid), but won't send their alleged "proof" to me. Ah, well. I'll be seeing my lawyer tomorrow and looking into a lawsuit. I do not owe the debt.

I have the same issue. I have never ordered bmg ever. i was looking at my credit report and i disputed and they said it remains active on my report. So i am trying to figure out what to do about.

BMG has not just hit you all in OK state. I live in south Texas and they have added that lovely little surprise to my credit report. I had no idea it was there till I recently looked at my credit report. I emailed them and found "no record" of my name or account. Then, today...days later, I receive an email telling me to contact Capital Assistance Group since they have the account now. They stated the previous emails were an error and and oversight. Never did they mentioned when I supposedly order merchandise from them or anything.

File a dispute with the credit reporting agencies. Specify that you *never* ordered anything from BMG so you believe it is fraudulent.

Also, respond to that email and demand proof that you ordered anything.

I can't belev these bums!! I am also looking at my credit report & I see NATIONAL CREDIT SOLUTI with an amont $479 I never even heard of this company OMG they are killing my credit men I need some help Im clueless in doin wat PAGreg did I dont know wat to right & where to send them to I dnt want to call them cus like always all these collector can't never help you they say they are doing the best they can UHHHH!! HELP!

The credit report itself will tell you how to dispute any tradelines.

July 13, 2009. Applied for a car loan only to discover the same problem - a 225.00 'deliquent' bill in collections by NCS. I spoke with the gentleman at NCS who says this was first reported in 2003. Well funny that it just shows up on my credit reports in 2009! I check my reports yearly! Funny it didnt show up in 2000 when I applied for my car loan, neither in 2002 with my student loans or in 2008 with my credit card loan.
I havent done business with BMG since 1999 because of MP3s. Since they went out of business, it looks as if they just sent anyone and everyone to collections if you ever accepted their offer of free cd's.

It is also weird to see that everyone seems to be getting notified of this at the same time.

Be sure any communication you send to NCS is is writing. Also, send all mail to them certified mail, return receipt requested. This will stand up in court. They have to sign for the letter and cannot say they did not receive it.

it seems many of us got a report from experian, saying general collection agency, representing bmg/columbia house, was alleging we owed money to bmg...in my case, $176 on an original bill of $23. i too have not been a member of bmg for over 15 years, and was never billed for the alleged $23. this has never appeared on my credit report prior to 2009, either. is any action being taken by anyone to halt this process so our credit isn't damaged?

Everybody should go to the website for the National Association of Consumer Advocates (NACA), naca - dot- NET to find an attorney in their area who handles cases against debt collectors. NCS has likely violated both the Fair Debt Collection Practices Act (the federal law that regulates the debt collection industry) and the Fair Credit Reporting Act (the federal law that regulates the credit bureaus and companies like NCS who report accounts to the credit bureaus). Stop whatever else you are doing and just call a NACA lawyer. Almost all consumer law attorneys will take these cases with no money up front.
If you're going to write to NCA and/or the credit bureaus, always send letters certified with a return receipt.
I'm a lawyer in Connecticut who handles these types of cases. Call a lawyer in your state!

I m having the same issues with the same company. What is going on. And I tried to dispute it with Experian and they told me the same thing... Maybe we all should get a lawyer and try to sew them for this mess. Because it is driving me crazy and no one want to do anything about it. Please HELP!

I 'm having the the issue also with the same company(national credit solution).I was checking my credit report on 7/18/09 and there it was on my credit to,but I did call them on the following monday and I told to a girl name (TRISHA)and she told it awas also from BMG from 2001-2003,I told her that I had allready pay them and I don't owe them anything.also I ask her why didnt they(national credit)sent me a letter or something before putting this my credit report,(no answer)this has cost me 100 points on my score.they say I owe them 255.00 dollars(WRONG).I'M been railroad and it's WRONG for any credit BUREAUS let them do this without checking with us first and if they can gat away with this anybody else can(worry),It's not the money issue,it's the fact that I'M been railroad and I don't know what to do about it,,What gonna happen next that worries me now

HAVE THE SAME PROBLEM! CHARGE FOR $155.00 APPEARED ON MY CREDIT REPORT TODAY, BUT HAVE NO IDEA WHAT IT IS FOR. HAVE TRIED CALLING THE COMPANY ALL MORNING, BUT RECEIVING MSG IT IS AFTER BUSINESS HOURS. HAS ANYONE MADE ANY PROGRESSS W/ THEIR SITUATION?

Like everyone else, I applied for credit and this thing reared its ugly head. Yes, once upon a time, I used BMG, but stopped using the service well before 2001. Who needed cds once filesharing and cd burners came into existance? So now, Capital Assistance Group says Im on the hook for $226.27. I returned those cds to BMG way back when. My account was closed in good standing.
I find it very hard to believe that if I really owed BMG money, they would wait six years and not pursue this a long time ago. This failed to show in any of my credit reports and I have them back to 2004. I am disputing this. Where I live, we have a six year statute of limitations. Hopefully, this will help in disputing the claim. Its always another headache.

I am frustrated also by a collection item on my credit repport from National Credit Solutions. They claim that I owe an amount of 132.00 on an account that was opened in December 2008. I have written to them requesting verification of this item and have not received a response. I feel that this is unfair to consumers who are very conscientious about their credit and work diligently enough to pay ligitimate creditors. We do not need to have our credit scoring adversely by fruaudelent reporting which is almost impossible get corrected.

sAME BOAT AS EVERYONE ELSE CK MY FREE CREDIT REPORT AND FOUND THIS ALLEGED DEBT ALSO DATED OPEN 12/08 NEVER RECEIVED ANY LETTERS FR ANY OF THEM REGARDING THIS. SO DISPUTED THIS WITH EXPERIAN UNTIL AFTER I DISPUTED THIS THAT I RECEIVED THE FIRST LETTER FR NCS .WROTE THEM AND DISPUTED AND ASK FOR VERIFICATION AND FOLLOW ALL THE ABOVE SUGGESTION . THEY SEND A LETTER OF VALIDATION WITH MY FORMER ADDS AND BMG AS ORIGINAL CREDITOR AND THE DATE JAN 2003. FILE A REPORT WITH BBB OKLAHOMA NOT HELP AT ALL THEY CLOSED IT NOW AS UNRESOLVED B/C NCS STAND THAT THIS IS A DEBT . I CAN ASSURE THAT I DONT OWE THIS DEBT. SO IF ANYBODY STARTED THE LEGAL PROCESS COUNT ME IN . I ALSO FILED A COMPLAINT WITH FTC AND I'LL FOLLOWED IT WITH OUR ATTY GEN.

I have the same thing on my credit report - through BMG music, has anyone had this issue resolved?

I got the same thing open on 1dec 08 for 225.00.

I have the same situation as you above. I pulled up my credit report and found out I am owing national credit solutions an amount of $3051.00 an account they bought from SAGE Telecom. I have never been a customer to this phone company and I don't think a personal phone account can go up to $3051 without the company shutting down your account before it even gets to $500.00. This company needs to be stopped at all cost if not they will continue posting false accounts on people's credit reports and messing them up.

Just pulled my credit reports and found the same thing. They claim I owe $50, I never received any letter from them stating that I owe. I shall send out a debt validation letter certified return receipt tomorrow to them.

Is it against debt collection laws for them to report alleged debt on credit reports without having sent any letter?

I was checking my credit report with a monthly service that I pay for, and a new alert came up saying that in march of 2009, NCS had filed with experian that this account from BMG is majorly derogatory. I have not had any business dealings with BMG whatsoever! I have not received any bills, invoices, or goods from that company. Supposedly this account was opened 12/08. I also have not received any written information from NCS regarding their acquisition of this account from BMG. I am filing every complaint that was suggested in this thread, as well as a formal validation request and dispute with NCS and Experian, respectively. This is ridiculous! This brought my credit score way down and is giving me a headache. Has anyone had any luck getting this cleared up?

I got the same issue. I am in the process or purchasing a house and found a a charge for $276. I used the company in 2004 and paid in full for the product. They sent me a duplicated CD and I returned it. I tried calling the company but was unsucessful. I am surprise this is on my credit. no one called me. This company is a rip off and I really don't want to pay for something I did not receive in order to wipe the charge off my credit report.

BMG is now defunct, that's why. Dispute it with the Credit Report Agency(ies) on whose report(s) that tradeline shows.

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Also going through the same headache, have written numerous places including NCS, Experian, BBB, FTC to dispute to no avail. The debt verification letter they sent me only lists an account and a cryptic due on contract. Not enough detail to be sufficient that I ever entered into any agreement or received merchandise from BMG or Columbia House. I was also speaking with a credit advisor who stated that if you pay, it won't be wiped off and will stay on your Credit report for another 7 years. Has anyone had any luck with these guys? Anyone know of a class action lawsuit? It has to be illegal to post on a credit report without proper debt verification such as an actual signed contract.

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same happened to me, now those assholes are calling me AGAIN!!!!!!!!

I called them and they closed my account. I provided proof of residence and they closed it just like that.

I was just sued by NCS for my BMG debt. How are they going to prove this? I complained to the AG and BBB and they sued me. What do I do now?

They sued me as well. What do I do when these other aproaches didn't work?