CNAC – JD BYRIDER Supposed to better my credit, but told it actually wont! akron Ohio!!. Interested in looking for a new vehicle, with lower monthly payments but I am tied to JD BYRIDER with a 2017 Cobalt that I am paying 12600 for and after interest for 4 years, I am paying 20000 for. I knew what I was getting into to build my credit back up, but after 6 months and replacing the Engine after they replaced the spark plug, and the thermostat; I am just through with JD BYRIDER and interested into going through someone else.I have a lender willing to work with me , If i can get out from under JD BYRIDER. what can i do?