I was involved in an accident (not my fault) that resulted in total loss. I received a settlement amount for less then what was owed on the car and I didn't have GAP insurance. So I made arrangements with the finance company to pay off the deficient balance by making $100 payments each month. However, I just noticed that they have been reporting my account as delinquent to the credit bureau. Considering the fact that I made agreed upon arrangements to pay off the debt, I don't understand how they can report my account as delinquent. Yes, I'm paying less then my original car payment, but I haven't missed any of the payments since the arrangement was made. Please let me know if the finance company is in the wrong and if I have any power to stop them from reporting me as delinquent.