My spouse inadvertently missed a payment in OCT '07. For the next year we made all payments on time. I recently started paying our bills online and when I called ASC to get billing info, they informed me of the missed payment, 16 months later. I have now learned that it took 12 months for us to reach the magical 30 days past due and our last four payments have been reported to the credit bureaus as such. And just when we had finally gotten everything in order to re-finance and get a great rate. Shame on these crooked, back-handed... read full review »