Jd Byrider ripoff East Stroudsburg Pennsylvania

i purchased a minivan in 8/01. About 2-3 weeks later i totaled the mini van. They were paid by State Farm Ins in full for the Van. I was told I had to take another van in replacement of that one and had to continue to make payments on time. The problem was I was out on disability and could not afford to make payments. So i voluntarily turned the van in on time payments. I was told that it would not appear on my trw. To this day it still does and i have been denied credit because of this What do I do????

Bob
venice, Florida
U.S.A.