At least 10 years ago, I recieved an offer from BMG music which I tried and quickly canceled. I do not owe BMG ANYTHING!!! On March 31, 2010 I recieved a credit alert showing National Credit Solutions for 224.00 on my experian credit report. This is not my debt to begin with, but now that doesn't matter. This debt is way past the original 180 days late date. I'm disputing this with experian. I heard about a class action lawsuit and would love to join against this dishonest company. read full review »