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Posted in Auto Loans
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Question By
shadowgt

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Credit not being reported.
I had an auto loan for around 2 and 1/2 years before paying it off and getting a loan from the bank that I have all my other accounts from. When I got the original loan I had a co signer because I didn't have much of any credit history. It looks as if the 2 and 1/2 years of on time payments were not reported to my credit. It is impossible for me to get a credit card right now. Is there anything I can do to have the first bank report it now or am I out of luck??

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And have you looked into getting a card from the bank that holds your accounts? They might issue a CC based on your history with them.

Top Contributor
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It may have been reported on the co-signer's report. Or it may not as Mdtaylorim mentioned. Call the original lender and inquire.

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All you can do is call and ask them. Reporting to the bureaus is completely voluntary and some lenders simply don't bother.

Reply by
littlejosephine

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I should be able to add other credit accounts I have for years that those companies are not reporting my payment histories .I have MONTGOMERY WARD ,  SEVENTH AVE  , GINNY'S , MIDNIGHT VELVET , I PAY EVERY MONTH FOR 4 OR 5 YEARS . I HAVE EXCELLENT CREDIT WITH THESE COMPANY'S . I WOULD LIKE TO SUBMIT MY ACCOUNT NUMBERS TO ADD TO MY HISTORY . I WENT FROM 400.00 CREDIT LIMIT TO OVER 1000,00 ON ALL ACCOUNTS ADDING UP TO OVER 3000,00 IN CREDIT THAT I USE AND PAY EACH ACCOUNT EVERY MONTH . MY CREDIT SCORE SHOULD BE OVER 200 POINTS FROM WHERE IT IS NOW AND I ALSO NEED A GARANTEE THAT EVERY ACC. BE ASSOSIATED TO MY PHONE NUMBER ONLY . 

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