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vic580 wrote:Someone in my house subscribed to these 2 services and we received 1 cd and 1 dvd from each,I have not paid for them since I did not subscribe to them,the bill I am getting is 30 from one company and 50 from the other.I have gotten a collection notice from NCO financial saying that they will start collection procedures if I do not pay within 30 days.What can they do as far as collecting on this and affecting my credit? Without my soc number can this go on my credit as a bad loan?