After running my annual credit report I noticed that there was a new item in the negative catagory. It was opened on 08/2009 for $136.00 from Music Service Club. I never ordered anything from MSC, I don't even listen to music. I never received a bill from MSC, yet this credit destroying bill appeared on my credit report. I tried calling the listed collection agency (2491 Paxton st. Harrisburg, PA, Phone #717-540-7636) but never was able to talk to anyone. I have been unable to locate any phone number for this alledged music service club. read full review »