I just finished paying off all my debt in June of 2010, I had to wait a month to view my credit report. All the debt was off my report, but needles to say two new collection agencies appeared.


I called them up to find out what this was all about. Both of them were from NCS, but two different branches. They were both for debt that I apparently accrued in 2006. I haven't seen anything about this debt until now. I got the information about the accounts, and explained that when I have the money I would be glad to get it off my credit report. I am current;y unemployed and a student. I have been looking for work, but did not obtain a job.

This is not why I am complaining. I am complaining because of my recent encounter with NCS (800) 384-0585.

I called them up on 9/24/2010 and was told that my debt was going to be receiving late fees??? I have never heard of a collection agency doing this. I have been looking everywhere to see if any collection agency has done this. I have found nothing.

I asked them to send a copy of the statement in the mail, we'll see what it says when I receive it.

So here I am stuck with this on my credit report, and getting charged a fee every month. I didn't know that collection agencies are now operating as loan sharks.

The funny thing is that this went on my credit report after a financial reform bill was passed. Trying to figure out what can be done about this.