quick loans poor credit

This letter is being sent to you in response to your attached letter.
If I go into the states web site where do you go from there for compliance?
When I refi towards the end of this year, I will of owned this home for 3years. Sure wish it was on my credit though!!!!!! I've had ZERO lates on my mortgage ever .
A buddy of mine regularly bought cars on Autotrader and eBay Motors for $500-$800.