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I purchased a car around 12600 (with a 1000 down payment included 1000-13600) with a credit score around 550. Americredit gave me an interest rate of 18%. Five months later my credit score is 646 and Im expecting it to raise around 669 early September (raises 20 to 24 points monthly). My...

...they have lost my pymt? I have 2 car loans with them & they constantly post the pymts on the wrong acct or post 2 pymts on one acct & nothing on the other after I have verified with them which account should be paid on & they they call me twice a day when they "can;t find my pymt" from their...