Oh yes, I've been through similar.

Try to be patient, and don't stop fighting.

I currently have one on EQ that reports as on time for x months, then ONE 120 late, then on time for x months....

Never mind the fact that isn't even possible, that's what the report says...I will argue, b*tch, fuss and moan and EQ will fix it...

....again...

Last app 08/08/2012. App free in 2013!

Current Scores: EX 670 (FCR) TU: 673 (Wally) EQ: Your guess is as good as mine.

Zero percent financing is where the devil lives...