My wife has a car loan through GMAC. Last fall she opted to "deffer" two payments in a row which GMAC was happy to do for a fee. What they failed to inform her of was that GMAC reports these as 30 days late. I have tried three times unsuccessfully to get the credit bureaus to remove these. I have also spoken to GMAC many times with the same result. It was suggested I have an attorney threaten lawsuit. Any advice?
Did they in their loan documentation refer to deferring for a fee? Did they make an "offer", or were the deferal terms part of the loan or account terms?
