My car loan was through Union Acceptance Corporation but they went bankrupt and were sold to SST in May. Since then SST has not reported to the burueas...and my score has been stalled at 591 as a result. I called and a nice person on the phone said "We WILL report soon, we are switching our system around" and she offered to give a credit reference letter, whatever the heck that is. Here's my question? Do they have to report? Can I make them report my timely payments? Good thing out of this is that before they went BK UAC accepted my goodwill letter and deleted some past lates, so that made my score go up.