I am showing an item for $174 in collections with NCS for BMG. I do not recall having an account with them in 2002 and closed in 2004. I have sent a dispute to Experian and have also sent a complaint to BBB. I know nothing of these alleged charges from 5 years ago plus. My next step is to file a complaint with the Texas Attorney General. The employees at NCS are extremely rude and do not offer to substantiate charges showing on your credit. As far as I am concerned, these people need to be put in jail. read full review »