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who is responsible the bank or the reporting agency?
I have had one bank loan of $500 and am now 4 months in paying off a second loan of $1000. I am only 20 years old and the reason for making these 2 loans was soley to establish a credit score. I have 5 hard pulls on my score because i am trying to buy a house and have found that the bank that i got these loans from have pulled it twice to see if it was showing up and the mtg place that i am trying to go thru has also pulled it twice. the reason is because the loans that i have and am presently paying to establish that score were not showing up on my report. i have worked with the bank president for 3 weeks on this and now one of the loans is showing up but it only shows me paying for 4 months because the other one that is paid off is not even showing. the president claims that it is the fault of a 3rd party agency the supposed to be reporting the credit. everybody keeps passing the buck.interest rates have increased since i began this process some time back and the mtg lender told me that if the score would show up that i could get the loan. now i have lost the contract on the house because time has ran out on it. sad part is nobody apparently is to blame. or that is what i am being told. my score now is 687 with 5 hard hits of inquires and the no show of the paid off loan. i am determined to find out what i can do to clear these hits because there would not be as many if the report was accurate when it was pulled for the loan.does the bank hire this "third party reporting agency?" who is responsible for this damage to my credit? how do i go about fixing it?

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