The really fun thing was when I just bought the Experian report: my score was much lower (well...not that there's a very long way to go!), but the AAC account shows more information, but it also shows 25 counts of 90+ days late! Is there any sort of form letter I can use for something like this? My apologies if I'm seeming sort of clueless - I have been reading the forums a lot, but this whole credit thing is fantastically byzantine.
Asset Acceptance Llc
Status as of [?] Feb, 2008
Date opened [?] Oct, 2002
Date of last activity [?] Jun, 2004
Date of last payment [?] Not Reported
Date closed [?] Not Reported
Account number [?] XXXX8579
Loan type [?] Unknown - Credit Extension, Review, Or Collection
Credit limit [?] Not Reported
Largest past balance [?] Not Reported
Terms [?] 1 Month
Account Type [?] Installment
Account holder [?] Individual
Scheduled payment amount [?] Not Reported
Account status [?] Account is Open
Descriptions [?]
None on Record
No contact information provided by Experian
Balance [?] Current Status [?] Past Due Amount [?]
$3,330 Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's internal collection department $3,330
Seven year payment history [?]
30 days late 0 times
60 days late 0 times
90+ days late 25 times (Feb 2008, Jan 2008, Dec 2007, Nov 2007, Nov 2007, Sep 2007, Aug 2007, Jul 2007, Jun 2007, May 2007, Apr 2007, Mar 2007, Feb 2007, Jan 2007, Dec 2006, Nov 2006, Nov 2006, Sep 2006, Jul 2006, Jun 2006, May 2006, Apr 2006, Mar 2006, Feb 2006, Jan 2006)
