I took a reduced payment option last year due to other personal circumstances and they agreed after 3 month to extend the loan and the loan would then show as normal again and upto date on credit file. Unfortunately they have reported missed payments when actual payments have been made which is affecting my credit score. Numerous attempts to which they they have not investigated ot corrected 4 months down the line. Be nice to be able to speak to someone instead of emails late at night. And someone actually helpful. Destroying my credit with incorrect information.