I was never late, I lost my job and returned the merchandise as stated in my contract I could without any adverse action. I was told that they could put a freeze on my payments until my circumstances changed.
Also stated was I could pick up payments where I left off if I needed to.
I decided to return the merchandise and buy some somewhere else. They never called after I returned there stuff and I never got anything in the mail.So why is it reported on my credit report as I owe them 1000 if they got there merchandise back?
Monetary Loss: $1200.