Fast forward to yesterday--I ran my credit score on quizzle.com, to find out it had gone down 50 points within 6 months. When I checked into it to see why, I discover this collection 'agent' for BMG/Columbia House, sent me to collections for $36! They say I defaulted on the account and aged it to July of 2010. What a crock! I filed a dispute with Experian, as I REFUSE to ever contact a bottom feeding debt collector, especially when I know #1, I filled my contract with them and #2, even if their records show the contract was not filled, this is WAY beyond the statute of limitations.

Of course, in reading other reports on here, it looks like I will be stuck paying this $36 regardless of whether or not I owe it. I can't believe they can get away with ruining my credit without having to produce any proof of it (I see others who said all they did was send a printout with name and DVD's shipped--to me that is NOT validating the debt!) HELP!!!!