I have never had a loan with American Home Mortagage. I had a loan with Options Mortgage until 8/2007 when I refinanced with Countrywide Mortgage. The mortgage was paid in full. I understand that over a year later American Home Mortgage bought Options Mortgage. I did not even know that Amer Home Mortg. was on my credit report until I applied to refinance my home back in August. IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A NEGATIVE REPORT THAT I WAS LATE ON MY HOUSE PAYMENT IN 8/2007. tHAT WAS WHEN THE REFINANCE OCCURRED AND THE MORTGAGE WAS... read full review »