My husband and myself entered into a loan agreement with Americredit Feb of 2006, we battled witht this company from month 1, we recieved phone calls before the first payment was due to make arrangements for this payment, we have had a few times that the payment was a struggle, but Americredit has reported to all credit reporting agencies that we were 21/51 payments 30 days late! This simply put is an absolute lie. If you are 3 days late on the payment even if its the fault of the person logging in your payment they report it 30 days late. If... read full review »