I am a Ssg in the United States Army.in 1999 my ex-wife went into agreement with Americredit to finance a 1999 Kia Sephia. At the time I was stationed in Hawaii.in December I recieved a call stating that my ex-wife had totalled the vehicle.in January I got a divorce.in May I was re-married and I was sent to Korea for a year. My current wife proceeded to handle my fianances while I was gone and discovered that Americredit was showing on my credit report. Mind you I never co signed for the car. It was showing that I owed them between eight and nine thousand dollars the amount changed with each credit company.By mid June my wife and I made payment arrangements in the amount of two-hundred and fifthy dollars a month because when i returned fron Korea we were panning on buying a house. Mid October we ran into some financial difficulties and proceeded to call Americredit to make some arrangements so that we could keep up the payments well they did'nt comply. I returned home from korea in May and Americredit was still on my credit report but none of the payments that were made was showing. So we wasnt able to but a house.in January I was sent to Iraq for Operation Iraqi Freedom 3. During the time that I was gone my wife being the smart woman that she is went online to Carfax and put in the Vehicle Identifaction Number for the 1999 Kia Sephia and never in a million years would we have thought that the information we found out would be what it was.in the facts about the Kia it stated that it had been in an accident in Dec. 2002 but it also stated that it was not total lossed, that is was still being driven, that the mileage was still going up and as if that isn't enough Carfax tried to sell the car back to us hmmmm. Mind you Americredit never sent us any information on the car all they did was came after us for payments. My thing is if the car is still drivable then why was we told it was totaled and why are they coming after us for payments. We have a vehicle now that we got through a friend and we still have six months left to pay on it but last week the engine died which left us with out a vehicle. My wife and I are struggling to get to were we need to go especially Myself being that I am military. We went to try and get another vehicle and low and behold we can not because Americredit is showing on my credit report as a Charge Off and that makes it to where no one will deal with us. This has been on going for four years now with Americredit and as of 3/23/06 I still haven't recieved any information from Americredit. I left out the fact that while I was stationed in Korea that Jag (Judge Advocate General) attempted to reach Americredit as well and they recieved no responese also. Americredit is a Ripoff if there is anyone that is willing to help us please, please contact us. As for this site you guys are a blessing because we were at our wits end and my wife just happened to be online today and discovered this site. Thank you and please feel free to contact us and please help us out if you can it will be greatly appreciated...
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