Hello everyone!
I am mostly a lurker here, but I have gained so much insight on credit reporting and how to repair credit from these boards. It's astonishing.
My husband's credit report showed a BMG music collection account for $155 through National Credit Solutions with a beginning date of 08/2009. This was incorrect and I was infuriated because we have been doing so good the last two years with no new collection accounts. After lurking around these boards for a few days and learning about debt validation letters, I sent my own debt validation request to them on August 12, and received a letter back from them today stating they could not validate this debt and were ceasing all collection attempts and removing this item from all 3 of my husband's credit reports. What's peculiar is that from 08/2009, we never received a single letter from NCS about this account. It just showed up out of nowhere. I googled their company and it seems like a lot of people have this same issue with them. Obviously it is some sort of scam.
We are hoping for a mortgage loan through USDA, and it is such a relief to get this cleared up. I would have just paid this off to get rid of it if I didn't find these boards.
