I had that car loan w/Union Acceptance who went BK, new company is SST and they have not reported since May! Someone suggested to dispute w/CRA's as "incorrect balance", since the balance shows what I owed in May and I've doubled-up payments since then. Well, I did, and TU says "verified" and shows the balance as what it was in May...did not hear from the other 2 yet. See, UAC cannot report as they are BK....my dilema is this: SST claims they WILL report as soon as they get the system up and running (whatever that means). My fico is stalled, it was climbing because i have been paying this car loan on time, now it is stalled! I am at 593 mid score and my husband is 621 mid score...we want to get a mortgage in February and I am main $$$ earner, so I really want to get this score up. Is TU wrong for saying "verified" since the balance is lower, or will they claim it is a new account since it was taken over by SST? I owe 5 payments on the car, so I really need them to report! If they don't, won't it look like i still owe $$$ since the balance is on there from May? I appreciate anyone's advice!