My husband and I recently had a credit report run for our refinance. We were surprised to find the Experian rating to be affected by a claim the National Credit Solutions for BMG. We had never received any type of correspondence or phone calls related to the debt. When I contacted them to find out what the charges were for I was told they were for DVDs purchased in 2004. I specifically asked for a detailed invoice itemizing the items that were purchased. When I got the envelope in the mail the following week (because they claim they can't... read full review »