Basically, the bank did not update my address info and their automated phone system would not let me talk to a human being. The phone number kept asking for an account number but I didn't have that because I didn't get any statements. finally, I got through to my dealer's sales manager, he gave me the "back door" number to the bank and I talked to a person but it was too late. My account was already sold to collections. So, after a lot of stress, I was able to co-sign a loan through my credit union with my dad to pay off the collectors and keep a repo off my credit. My credit WAS perfect. And I mean PERFECT. My score was almost an 800 and now it's a 542. It's gonna take a while to build it back up but in order to stay afloat, I need to sell the bike.