how can i get my auto loan reported on my credit reports,the company will not do it?
349906
You can send the CRA's a letter requesting that they add the loan to your report.  Give them as much info about the loan, and they will verify it with the lender.\n\nCreditors are NOT required to list credit histories with the credit reporting agencies.  Many of them do not even have access to send them that information.
398411
You are right, you do not want to keep having your credit pulled because it will make your score go down.  Are you looking for a personal loan?
342976
The question is do you need an installment loan reporting on your credit file to increase your credit score?\n\nIf your credit score is already 750+ then if you can pay it off, do so. If you need the car loan to report for credit improvement then you should make at least 12 payments that report to maximize your use of the loan for credit purposes.\n\nGood Luck
1160784
You can try Lexington Law Firm. They claim to specialize in this area, but as a rule the credit bureaus will tell you that No-one can remove a legitimate item from your report.
294300
Kat,\n\nYou leave out some important details.  \n\nI'm going to assume from your comment that you don't have credit right now because you purchase everything in cash, right?  I did that when I was young.  Paid cash for my car and did't have a card.  Had $20,000 in the bank to put down for a mortgage.  They wanted to refuse my loan because I didn't have a credit history!  Lucky for me, they had a loan manager who had sense enough to look beyond a credit report.\n\nWhat about your husband?  Does he have a credit history?  Good or bad credit?  Remember that they will be looking at his score also if you both plan to be on the loan.  If he has good credit you may not even have a problem.\n\nAs the others mentioned, you need to build a credit history.   How long from the time you buy this car on credit, until you start looking for a home?  Credit Guru is correct, it won't help you much to pay it off immediately.\n\nHaving a big down payment for the home may impress the mortgage company into giving you the loan without an impressive credit score.  Worked for me.\n\nIf you really need the car right now, consider paying it off in cash when you buy it. Many car dealers will cut you a very good price if you are paying up front.\n\nBefore you go any futher, go to the link I supplied below. You are trying toimprove your credit score, so you need to understand exactly how they calculate it.  MYFICO is the folks to developed the scoring system, and their site has lots of information on establishing and improving your score.\n\nAfter your have educated yourself you can make better decisions on how you can proceed.\n\nI sure wish I had your problems. Wanna trade?
40783
None of them. The financing is through some bank or another that the dealer has a working arrangement.  Unfortunately, credit scores play a big part in determining the terms of any financing you can get.  Negative hits on your credit reports will get you only high-rate financing offers.  I've been through all this, and after fast forwarding the tape to years later, after I had rebuilt my credit to a well-above average credit score, I was able to walk into a dealer and say I would not put even a single penny down plus chop a few thousand off the dealer's price and get a decent rate on a 100% loan where everything was financed, even the title fees, tax and registration.  I walked out a few hours later with a brand-new vehicle and not a dime out of my pocket.  But the bankruptcy has to disappear first, and that takes 10 years, and with that sort of thing on the credit report there is no such thing as a liberal credit term: it is vultures circling the dying straggler in the desert.
37779
Yes you can. In a few weeks, the company that denied you credit will send you a written notice with the reason for your decline. It will list the specific credit bureau used in making that dedcison. You can then use the internet or call to get a free report.\n\nThe fact that you tried to get credit, does appear on your report. Your access does not alter your profile and it is not visible to potential lenders if you access your report.
208907
You should contact whoever has your loan and work it out. Maybe they'll let you pay it in installments so you can catch up.  Don't ignore it or it may go into collection and your car might get repossesed.
144861
Call the credit report company and they will tell you the number or address of the company in question.Also if it's on your credit report it usually tells you when they will take the charge off.
966259
Car loan companies usually wait until you miss three payments before they come and get your car.\n\nYou can try and take some sort of legal action, but your car will be gone before anything gets resolved. I would get the money together and pay the loan company and the repossession  folks soonest................
939898
call any of the credit reporting companies.  they will put it on your file at no cost.
1078876
You are correct, many insurance companies are indeed checking credit reports and refusing people, or charging more for those whose credit isn't good.\n\nPersonally, I think this practice should be outlawed.  I don't believe that bad credit makes someone more likely to file a claim, or a fraudulent claim.  This was the claim the industry used to get permission to do that. \n\nIt's also become a common practice to run a credit check for a job too!   \n\nSo..you get a little behind on your bills and what happens?  First your interest rates rise, then your car insurance goes up, then you can't get a better job.\n\nHow the heck are you supposed to get out of the hole if they keep piling dirt on the sides so the hole gets deeper!\n\nGood news may be on the front - There is already a lawsuit in CA challenging the credit issue as discriminatory towards minorities who are more likely to have poor scores.  State Farm has already stopped checking credit in that state.   If we can see more suits filed, maybe this issue will go away.\n\nGrrr.....\nyou've touched on a pet peeve!\n\nOh..and you don't really have to give everyone your social security number.  Only businesses that are tax related, like your employer, your bank and investment companies.  Technically you can refuse to give it to anyone else, including credit card companies and lenders, but they then have the right to refuse to do business with you.  Again..maybe if more people resist, change will happen.
870888
Most car loans that you get at the dealership are almost entirely score driven.  They don't care if you have defaulted on every loan you've ever had, as long as your score is high enough!  Okay so I am exagerating, but they are pretty big on score and very little else.\n\nIf you are at 670, that's very good.  Clearly what ever problems you've had are behind you.\n\nSadly good rates are getting hard to come by.  You may be looking at higher than 6% unless you can get some kind of dealer special.  Whatever rate they offer you tell them you want to think about it and talk to your bank.  They may be able to squeeze out a better deal for you.\n\nI'm guessing from your name you are female.  Consider taking a male with you.  Many dealerships are full of sexist idiots that will try to screw you over, and assume that you are not going to notice since you are a woman.  It may even be best to just get an auto loan with a local credit union or bank as opposed to dealing with the games they play at the dealership.
42280
You cannot.  If you believe there are incorrect items on your credit report then you have two potential choices.  The first is to dispute the items on your credit report.  It should take about 45 days for everything including the postal service to make the necessary round trip in about that amount of time.\n\nThe second is sometimes available, primarily to mortgages only.  You can request the lender directly contact the creditor who is erroneously reporting something.  There are special proceedures, if the other party will document that it is an error, to have it temporarily removed from that one institution's credit report usually to correct a FICO score.  It is important to understand, it must be an error and the other party must be willing to go to extra lengths to fix it as a favor to you.  The fix is only temporary and you will still need to dispute the item on your credit report.  The lender has to be willing to accept third party documentation and the party with the error has to be willing to go out of their way to write a letter explaining what really occured.  Since I believe this costs the lender money to get a one time correction, they have to really want you as a customer.\n\nIF IT IS NOT AN ERROR, YOU WILL CERTAINLY GET A DENIAL.  This denial will show up on your credit report as a loan applied for, but with no record of it being granted.  I have never heard of anyone doing it except for mortgages.
717816
look for the car adds that say, "bad credit, no credit, no problem" or something like that. I don't know where you are, but google Auto Solutions.
533997
Yes.  This has happened to me.  I am having a problem right now trying to get some stuff removed from my credit report.  The problem is that there are 3 credit bureaus and they do not share information so you have to contact all three - Experian, Equifax, TransUnion.  Use these sites to get free copies of your reports.\nwww.freecreditreport.com\nwww.annualcreditreport.com
236525
First u need a credit report.  and it in there with ith the few pages. IT should be in the first second page of the report u can get one at www.freecreditreport.com good luck