I have been paying on a 5.5 year loan at $470/month and have been exhilarated by the idea of my car being paid off, finally, this August 2009. Upon reviewing my credit report this morning I came to realize that the balance reported is $2, 000 + higher than my payoff should be 6 months away from payoff. I called Peak 5, whose customer service has ALWAYS been below par, rude and non helpful, and was informed my balance is $4, 600 because of 2 deferments I requested (needed) back in 2005. At that time I did make the deferments due to hard time... read full review »