EXP: You can be one day late and they can put you at 30 days late ME: And this is legal how? EXP: Credit companies can do this ME: Ok you have avoided my first question and now you give me some bullsh$t answer for the second. I have 3 credit reports with 3 different things on it.... EXP BUTTS IN...We are not Equifax or TU... ME BUTTING IN:I never said that, maybe if you didn't interrupt while I was speaking. I want you to send me the information about you 'verifying' these late payments, who you spoke to at Ford their phone number. EXP: We called a supervisor and they said yes you were late. ME: Thats like me saying you owe me $100 and you saying no, whos word do you take? The company that pays you to report this sh$t or the person that hates you? EXP: Well thats just not true, you have to prove I owe it to you. ME: Hang on I'll printout some statement from my Microsoft Word and I'll make you prove that you don't owe it. Sound fair. EXP: I have nothing to do with you screwing up your credit report... ME BUTTING IN: I beg your pardon, put your supervisor on the phone. I was on hold from 11:35 til 12:02 I hung up and called the FTC. The FTC said 1. yes their printout is proof enough as me being late 2. Each creditor bureau is different...BLAH BLAH BLAH 3. Basically I have nothing on any of the credit bureaus or Ford. BTW I emailed Ford a third time asking for the proof, I again used the 'lawsuit' word but this time wrote it in big letters, they responded TWICE, with a 'we're looking into it' KHM<~~~~~VERY DISTURBED!!!!!