hi in 2006 august i bought a suv never mist a payment never late then august 2008 tried to trade off suv . to get lower interst all the dealers told me that counld not do it .then in octorber2008 i tried it again had everthing done for the deal the dealer even lower the price on the other truck to do the deal then my credit come back .then they told that i had a buy back on my credit report redeem repoe .i show them that proof that i was never late .so the creditor put this on my credit report from 8/2008 to10/208 3 months i tried to trade it off but the dealers whont take so i had to let go back . were do i stand thank you