I originated my lone with another company and within 2 months of closing they sold my loan to ASC. They did not report my first 3 payments to the credit agencies and now I'm trying to refi and it shows that I have made only 11 payments rather than the 14 that I've made. You better believe that I was late once and they reported that right away. They also sent me a letter last month stating that my loan was due to adjust, I need to contact them right away. I contacted them and the guy was rude and said that the letter was send by mistake. What the heck kind of stuff is that.