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I bought my car in nov 08- (third car from the lot that finally worked). I have a 5 year installment agreement w/them and they told me they would report to the credit agencies. I pulled my credit and its not there. I have been offered a deal to purchase a newer car from a dealership, with a bank loan, thats more reliable and safe for my family. I have never been late, can I return my car to them w/o being sued?