[lourib727]

I am trying my best to clean up my credit and pay everything on time. Asset Acceptance has been trying to collect on an old dept (5 years old) SOL in Jersey is 6 years.
I requested that they validate the debt and it was removed from my credit reports. Now it is back and re-dated with a $1 increase in the amount owed.They say that I am currently past due (past due date of this week). Because of this my fico score went down 42 points!!!!!!
When I went to my credit report it looks like the do a hard pull on my credit report every couple of days(causing my score to keep dropping).
Is this legal? What should I do? Thanks in advance for the advice.