I have taken a hudge hit on my credit from BMG Music Service's collection agency called National Credit Solutions what to do?

If the account is not yours, send a letter to NCO via CM/RR telling NCO that you dispute owing the account. If you never had a BMG Music Club account, tell them that also.

After NCO receives your letter, contact an Arizona attorney who routinely represents consumers in actions brought under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. He or she will tell you what to do next based on the facts you've described and additional information that they'll need.

Do not let Mr. McDowell's comment discourage you from seeking a consumer attorney. Many will speak with you briefly without charge or with a nominal charge.

Meanwhile, keep a diary of the calls from NCO including the time and date of each conversation, message and hangup. Save any messages. Good luck.