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Timnblondy

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Credit,I own a home but didn't get credit for paying it off??
I bought my home thru an owner contract,paid it off,but got no credit for it. I own a three bedroom outright,and can't get a car loan....

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First, Assets have no influence on credit scores. Second, if that owner/private contract wasn't reported to Credit Bureaus? Then no one else would knows about it, because other cannot see it, it's like it never happened. 

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When dealing with an individual it will almost never show up, even dealing with very small lenders it sometimes does not show up on your credit report.  This is due to the fees that a company must pay to be part of one of the credit reporting agencies.  As JohnnyRai... said assets do not show up, utilities do not show up, this is because they are not loans.  The only thing that makes up your credit report is when you are lent money from a company that is a member of one, two, or all three credit reporting agencies.

Yopu can talk to your bank that you do business with, and use your house as collateral on the car loan if you need one now.  But if you fail in way on making payments you will lose that three bedroom house, if the bank loans you the money.  Other than that start reading and learning what makes a person have a good credit score and start building yours through secured credit cards, secured personal loans, then step up to credit cards, then to car loans.

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If you own your home our right,  see if you can get a HELOC, ( line of Credit )  Don't USE IT TO BUY A CAR, but you will have it on your Credit Report, 
based on that would think your chance of getting a Car Loan would be better,  but that might take a while. 

Home as in a stick built home ,  not Module/Mobile Home.  you might not be able to get a HELOC on one of those. 

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