hematitecross

If the loan is recent, it may not have had time to give your son a credit score.  It takes a few months of payment history for the credit bureau to have enough information to caculate a score.  I've seen credit reports that do not give a credit score until 4 or 5 payments have been made. Also,if the auto loan is his only credit tradeline and the loan is paid OFF, he may not have enough current history for the credit bureau to calculate a score.  One of the reasons a lot of places recommend getting a credit card to build one's credit is because credit cards can stay open instead of drifting into the past as soon as they are paid off (plus if you pay the balance in full evey month, you can establish a credit history without paying any interest).