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The Credit Index?


NASCAR_Devil
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Just received a dunning notice from North Shore agency for BMG Music that stated that "your delinquent account has been reported by them to The Credit Index, a consumer reporting agency." I did a web search for "The Credit Index" and got nothing of real value. Anybody have any idea who that is? Of course I will DV the CA but will call the OC and have them pull this back. Must have overlooked this one.

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nascar i have heard of them i remember a website that listed different credit reporting agency's that you can write to and get a copy of your consumer files, i thought that was one of them. it may be a territorial company, i have been googling it for you and getting the same vague hits i will keep looking.

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Just received a dunning notice from North Shore agency for BMG Music that stated that "your delinquent account has been reported by them to The Credit Index, a consumer reporting agency." I did a web search for "The Credit Index" and got nothing of real value. Anybody have any idea who that is? Of course I will DV the CA but will call the OC and have them pull this back. Must have overlooked this one.

I dealt with The Credit Index (TCI) a couple years ago regarding the alleged reporting of a Columbia House Music Club debt. (The Columbia House Music Club was purchased by BMG, which then shut it down in favor of their own club, so the OC doesn't really exist anymore. Somebody purchased all the old accounts and is trying to collect. This is all separate from the Columbia House DVD Club, which is still operating.)

Sometime in 2006, I received a letter from a CA (can't remember who) which said they were reporting to The Credit Index. TCI appeared to be a company that kept a database of "deadbeats" who didn't pay their accounts with direct marketing companies like BMG, Columbia House and Fingerhut. I got a hold of an email address for TCI and sent them an email citing FCRA and my right to receive a report from them. They replied asking for my address, which I provided, but I never received a report. There used to be an active Web site for TCI at www.tcindex.com, but it appears they were purchased by xTech, LLC. (press release) Now, both the former TCI site and www.xtechllc.com redirect to something called eBureau.

Basically, I consider The Credit Index and its various successors to be yet another one of these specialized "fake CRAs" that nobody should care about.

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I logged onto BMG's website today and they still let me into the account. I shot them an e-mail stating that it was an oversight and to please pull back from the CA and I will pay them directly. They still show the balance on the account so it does not appear that it was CO'd. We'll see what they do from there. Also asked that they update the TL on TCI to pays as agreed just to CYA.

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Also see that North Shore's bonds in TX have been cancelled. Hmmm...think I'll drop a dime on 'em

Principal Name: North Shore Agency Inc # 12

Address: 751 Summa Avenue

Westbury, NY 11590-

File Number: 20030001

Status: Canceled Close File

Date Filed: 1/3/2003

Cancellation Date: 10/12/2004

Phone: (516) 370-9300

Bonding Company: Travelers Casualty and Surety Company of America

Bond No: 775224780TX

Principal Name: North Shore Agency Inc # 13

Address: 751 Summa Avenue

Westbury, NY 11590-

File Number: 20000181

Status: Canceled Close File

Date Filed: 10/3/2000

Cancellation Date: 4/10/2003

Phone: (516) 370-9300

Bonding Company: Great American Insurance Company

Bond No: 5621322

Principal Name: North Shore Agency Inc # 14

Address: 751 Summa Avenue

Westbury, NY 11590-8999

File Number: 20040134

Status: Canceled Close File

Date Filed: 8/2/2004

Cancellation Date: 10/24/2006

Phone: (262) 787-4134

Bonding Company: Greenwich Insurance Company

Bond No: 45044207

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Here's BMG's response...kinda ambiguous

To: NASCAR_Devil Account xxxxxxxxxxxxx

I am writing to share some information with you.

We are sorry but we are unable to retrieve this account from the

collection agency. You may pay them or us and we will notify each

other. The update on any credit report is automatic.

Please let us know if we may be of further assistance.

Your Friends at

BMG Music Service

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Here's BMG's response...kinda ambiguous

I guess if you want the warm fuzzy from paying them, you can write a check directly to BMG, then. If the CA is never going to report anywhere except The Credit Index, I would not worry about it at all. I'm opting to let my Columbia House debt (all of $40) die a slow death, as the SOL will be up soon anyway and I have other creditors more worthy of my money.

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