An erroneous report from GMAC has been affecting my credit score for years. I lease a Cadillac every three yrs. In 5/2000 I leased a car. My dealership asked for me to turn my car in early, in 3/2003, which I did and leased another car. Somehow, the communication broke down between Cadillac and GMAC and the 5/00 lease was not posted as paid until 2/04 and meanwhile this accounting error was showing on my credit report as an "adverse" account. I do not recall receiving much information at the time, but did call them twice to... read full review »