This is one of the biggest scams to hit me to date. Recently I received a letter from a company called American Credit Educators saying that I owe them $300.95, but to clear the debt, I can pay $150. I am sitting here racking my mind trying to figure out who I owe, and why it was in collection. So I called the company, it turns out that a company called UCNB is the alleged creditor. Supposedly in May of 99, a credit card was opened in my name. I have no idea who this company is, or where they came from. The first time that I had a major... read full review »