I have a camper loan thru GEMB and in 8 years only one payment was 8 days past the 30 day limit due to a medical emergency. It now shows up as the only negative on my credit report until 2016. According to the company they do not have a one time forgiveness policy as violates Federal Law (a flat out lie). This is the worst company I have ever dealt with. They call at all hours demanding their money if it is 2 days past due, and are more than willing to screw up your credit if you are late. read full review »