How should i handle this?

[1eyebandit]

How should I go about this, there reporting inaccurely, I have contacted them many them, dispiuted with the CRA's but they say that the information is accurate.  If you look at 2007 you see all payment on time and in july they show a repo and ontime payment after that, how can you show a repo if all payment were ontime.  I not saying I was never late (2 30 day late) my car was never repoed, I was able to pay before they repossed but they said the paperwork has already been filed and I had to pay the repo fee which i did.  I also got a deferment two times which added 4 month to my loan.  My loan was supposed to end in 4/08 but due to the deferment i didnt finish until 7/08.  They siad that sine my loan wasnt fully paid in 4/08 they considered it late until it was paid.  We had an agreement that if all payment were made on time they would not report.  How should I go about this.  

P.s. - My loan was originally with Americredit which was bought out by GM Financial.

Account Number:	42043XXXX	Current Status:	PAYS 91-120 DAYS
Account Owner:	Individual Account.	High Credit:	$ 32,757
Type of Account :	Installment	Credit Limit:
Term Duration:	64 Months	Terms Frequency:	Monthly (due every

Comments:

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2008

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30

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60

60

60

90

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2007

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R

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30

30

2006

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2005

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2004

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2003

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2002

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[Anonymous]

If it came to the point that they did file repo paperwork, they can report it that way.  Even though you redeemed it.

If you have anything in writing about the agreement that would be a plus.  Other than that it is your word against theirs.