Automotive Credit Corporation

Pursuant to [redacted] 's conversation with [redacted] in our office on January 31, 2018, this situation has been corrected The amount of $has been waived from her past due balance

Ms*** executed an installment contract with Automotive Credit Corporation ("ACC") on December 11, 2013. She defaulted on the contract and ACC referred the matter to its attorney. The attorney filed a lawsuit and a judgment was entered on August 4, in the amount of
$6,320.93. Prior to the entry of the judgment, Ms*** had contacted our agency Michael Andrews & Associates and set up a payment plan for $each month beginning August 20, until the amount of $5,was paid. If the voluntary payments were made timely, then once $5,was paid the judgment would be considered paid in full. However, if she defaulted in the payment plan, then the full amount of the judgment, plus statutory interest would be due. No payments were made voluntarily by Ms*** or the coborrower *** *** so ACC advised it's attorney to go forward and file wage garnishment to collect on the judgment. There still remains a balance due on the full judgment in the amount of $1,933.61.Sincerely,*** ***Director of Compliance

*** *** and *** *** executed an installment contract on September 3, which required payments of $each month Both parties are buyers on the contract and have rights to the vehicle ACC received a call from *** on August 24, asking to have his name
removed from the title because he had a suspended license and needed to have the coborrower *** register the vehicle in her name only ACC indicated we would draft a letter and send it to the *** *** *** Tax Collector office as he requested, however the account needed to be brought current At this point, the customers had payments that were reversed for non-sufficient funds The repeated NSF payments caused the delinquency in the history, and the account remains $past due at this time.The letter was sent to the *** DMV as requested, and a copy was emailed to *** as he requested on September 1, ACC was very clear to both *** and *** that while we could send the letter, there was no guarantee that the state of *** would remove his name on the title as he was a party to the contract Several members of our staff including a supervisor explained this to the customer *** is ** *** *** state ACC will release the lien through the applicable *** methods once the account is paid in full It is not possible for ACC to remove parties from the state's registration record

*** *** executed an installment contract with Automotive Credit Corporation ("ACC") on February 20, for the purchase of a vehicle ACC does report its customer's payment history to the credit bureaus following the data furnisher requirements under the Fair Credit Reporting Act
ACC is not a credit repair organization as *** *** believes, but simply the lender in which *** *** is obligated to make his contractual payments.ACC has not taken any steps to remove itself from *** ***'s credit report ACC has investigated this allegation on October 13, 20915, October 5, and November 1, - each time that *** *** has raised the issue *** *** has been asked to provide a copy of his credit report so that we could investigate further as to why it is allegedly missing, but nothing has been provided to ACC.*** ***'s payment history reflects missed payments as well as a repossession and subsequent redemption As of today, the payments are current.Sincerely,*** ** ***Director of Compliance

Pursuant to [redacted]'s conversation with [redacted] in our office on January 31, 2018, this situation has been corrected.  The amount of $52.24 has been waived from her past due balance.