I got them from the car dealership i just bought a new car :-) 4.9 so happy and only 1 inq from dealer and one from pnc :-) i have been working on my credit for 2 years now and went from low 500 to over 700 but this dam medical collection they wont send me proof i know for a fact that they dont have anything i agreed to i never filled out the form when you go to a dr and sighn you name and put you ssn in that you will be responsabile for the bill cause i never sighn them or put my ssn it