To list degree on resume or not/Life Experience vs Courses taken?

I have taken the majority of the classes needed for a BS in Business Admin/Management. The problem is they were spread out over 4 colleges and universities. And, of course, transferring credits being what it is, you are never given full credit for what you've done at other schools.

Anyways, I left school about 5 years ago and went to work in business. Doing Management things and such..much the same thing I was studying in school.

Fast forward to today I am interested in changing jobs, but it seems to even get looked at you need that piece of paper that says you have a degree. Between my education and real life experience, I have more than the equivalent of a bachelor degree. But I don't have the paper that says that. Now, I've talked to a couple accredited universities, where upon a portfolio review of my course work and real life experience and a thesis, they will grant me a BS degree based in part on life experience. But I think a lot of people think of Life Experience degrees as shady.

Is this worth it? Do I go this way, with the degree being based in part on Life Experience? I don't want to enroll in another university and have to take a lot of the classes I have already taken, or things I have already done.

Or how could I list what I have done on my resume, or should I just leave it off totally? And let my experience speak for itself? I just don't life doing that with the market being as competitive as it is.