My family's car insurance bill was due and, for once, I read all the forms attached to the bill. One page of detail said that an adverse item on our Experian credit report affected the amount that my family paid for car insurance. We pay ALL our bills so I immediately investigated.
The insurance company confirmed that there was a negative item so I logged online to Experian.com and received a free credit report.
There, at the top of the report, was the offending item. ASSET ACCEPTANCE LLC filed a report on 3 that we had a credit card that we failed to pay off. Once again, we pay ALL our debt so something is wrong.
I logged a dispute with Experian and then called Asset Acceptance LLC to get details behind this item.
Asset Acceptance said we owed $484 and that if I wanted any additional information beyond the original credit card number that it would take 6 months to retrieve and cost me an additional $350. Naturally, we got into a few words and I hung up.
We called the credit card company that Asset Acceptance LLC listed as overdue and they offered FOR NO COST AT ALL to retrieve the information, make it available online, and discuss it with us in 24 HOURS.
The outcome is yet to be determined but I am angry enough to post this now. Don't pay Asset Acceptance for the information that they should provide to you for free!
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