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Unreported payment history
Hi all. I have a good score of 718 yet it should be better. The reason I say this is because I have had two personal loans that I had taken out for vehicle purchases from a non-dealer. Come to find out that after I had paid off the debts, that the bank I financed through does not report payment history to my credit score. Mind you, it's a small bank. Now, I am looking at possibly financing with a dealer for a used truck but is there any way to add or present that payment history with my credit score to increase my chances of a lower APR? Thanks!

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