I happened upon Asset Acceptance because something showed up on my credit report last month. They had no reference phone number so I had to track them down through the initial debtor, Bally's Fitness because that's all that was referenced on the report. This debt was incurred over 6 years ago. Asset Acceptance apparently bought the debt in 2003 and has supposedly attempted to contact me about the matter many times since then. Yet the address they have on file is one from BEFORE I ever incurred the debt. How is that possible? In the time since they purchased the account, I have moved only within the county and have been up to date on my DMV the entire time. I have successfully applied for credit at my current address and yet they still couldn't find me. So of course, as soon as I discover the negative credit reporting, I contact them and resolve the issue immediately. Now I am going to go and see if I can get them to remove the negative reporting since it was due to their own incompetence that they were never able to collect. Think I have even half a chance?