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I bought a car at JD Byrider years ago, fell behind on payments and they wouldn't repossess the car. CNAC, the finance company, then hired an attorney and sued me which resulted in wage garnishment. The car was eventually paid off (March 2010) and the title was mailed to me. I've since sold the car and no longer have a title. I received a letter this week stating that they are willing to settle my $3077 debt for $750. So this has been reported to all major credit bureaus for 3 years. I am outraged! I called CNAC and they are asking me to prove by show of paystubs or title that the car is paid off. Is there anything I can do to redeem my credit rating. This company put me through the ringer for years and now this. I thought it was all behind me! <SMH>