Robert, that is EXACTLY what I was trying to get at with the timeline. I KNOW the account was in collections for a couple of years...and how can a 60 (65? I can't remember) month loan extend to 88, and everything be "up to date" right until the end. I no longer have any paperwork from the loan, and my memory is like swiss cheese, I simply can't remember that far back, except I struggled to keep my car, and when I did call Ford, I would be transferred to collections.
What would my next step be? Sending a letter to Ford for copies of my paperwork, or the Credit Bureus, with a letter stating what I just started?
Thanks!