I am paying 25% interest on $5,000 loan, 350 per month for a 96 car in illinois
I have bad credit so it was supposed to be a car would be in for "1 year"
to prove credit worthyiness.
Heres the problem:
I go to the dealership 1 1/2 year later to get another car.
They pull my credit report and it saids that I paid late every month which is completely untrue.
The contract I signed said I had a 10 daY GRACE PERIOD.
I called the finance company they said that they dont offer grace period.
My contract says otherwise..Couldnt I have been told that...Now I cant refinance. I feel like Ive been got.
Ps the car is breaking down often now costing me repairs..
What can I do ?
Should I get a lawyer? Or Is there an easier way? Any referals would help..
Thanks for your time...

