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Bad Credit Auto Refinance?

I got myself into a really bad situation…bought a car in August 06 and financed it directly through the dealership. I was told they’d send me my payment book, to go home and wait on the details of the loan to be worked out but that my monthly payment would be no more than 0 what I was paying for the car I traded in. I waited, and waited. December rolls around, they threaten to come repossess the car because I had not paid…yet they had never sent me an invoice. I go in, the rude guy shoves a bunch of papers in front of me…I found out I had been driving on illegal tags. The deal didn’t get complete until December and at that point I finally sign a sales contract, only it happened so fast I didn’t know what I had gotten myself into. I just didn’t want them to take my car. Anyway the dealership has me financed at 20.400% interest. I have paid that for 18 months, never missing a payment. They are not reporting to the credit companies.
Someone also made a mistake in the invoices they were sending me for the last year and a half (that is WHEN they actually sent invoices). So they apparantly did not factor in the interest. It has added an additional 00 something to what I thought I owed on the car itself. Because they are not reporting it to the credit companies, I am not getting my credit built up. I desperately want out from under this dealership. They have done nothing but screwed me over since day one. There are more bad things they have done but I could go on and on with it. Simply put, I cannot afford 6.25 a month car payment anymore. When I bought the car, I was told they’d report it and I could get it refinanced within a year or two. Well that time has come and my life situation has changed…I am newly married among other things. What can I do? How could I possibly get it refinanced?
I tried to request it be reported to my credit reports, as a consumer and was told I cannot do that. That the lender must open an account with the companies, TransUnion, Equifax, Experian. I have really been screwed over BIG TIME! The woman who handles the paperwork at the dealership said these companies told her I had to request it to be added, but we know this is not true!

I have no co-signer and to make matters worse they have applied at least 3/4 of every payment to the INTEREST so I owe more than the car is worth towards the principal at this time.