I have been trying to have my Ford Motor credit account reported correctly on my Equifax Report for 4 months. I have tried the online investigations and phone calls. I have provided Equifax with phone numbers to call Ford. Of course, when Equifax called they were told Ford does not verify over the phone. The funny thing is when I checked my report yesterday, it was updated; however it was wrong. The problem is that they have been reporting me as over 90 days late since April and I have not been near late in 3 years. Anyway, the updated my file but left the April 2001 90 day late. My score was 594 in March and dropped to 520 in April. Anyone wanted to know how a late effects your score, here is proof. So, I went back and forth with Ford and Equifax yesterday. Equifax took a stance that there agreement with Ford requires all verification to be done via email. I stated that I was instructed to provide a phone number last month. Then they changed there story to we can remove that rule if we have a live person to speak to. Ford Credit offered to have verification done within 24 hours via fax. Equifax will not break the agreement with for to verify via email for a Fax machine. So I spoke to every person I could at both companies threatening law suits. Finally, a gentlemen a Ford Credit agreed to allow me to give his name and extension to Equifax. I call Equifax with the information. They would not take it. So I called back and spoke to someone else and the information was received. Another interesting fact is that I am closing on a refinance of my mortgage tomorrow and included in this is paying off Ford Credit. Mike G.