Why would my bank loan not show up on my credit report?
963701
Banks are not required to report to a credit reporting agency.  However, most all banks do report.  This problem is most common with small, local banks.  Most of the big banks report.  Further, there are three major credit reports - Equifax, Transunion, and Experian.  The large banks normally report to all three, but some of the smaller ones may report to only one or two.  You should contact your bank to find out who they report to and make sure your loan is reported to that agency correctly.
301730
(today's date)\n\n\n\n(name of applicant\naddress of applicant\ncity, state, zip of applicant)\n\nDear Mr./Ms. ___________:\n\nAfter careful review of your application for a business loan, we have decided to reject your application at this time.  \n\n(If you want you can include the reasons the loan was rejected:  i.e. insufficient security, an unacceptable credit rating, etc., you could say:  "Your application was rejected for the following reasons: _____, _________, _________."\n\nThank you for submitting your application.  Please feel free contact me if you have additional questions about this matter.\n\nSincerely,\n\n\n_________________\nChief Financial Officer (or whatever title)
160099
go to the credit companies website and dispute the information.  I did it cause it had my dad as my spouse cause he co signed my first credit card.  After a few weeks they sent me something showing it was fixed
184656
When you took out the loans you probably signed something stating that if you do not pay this loan by this date, you give authorization to withdraw the funds out of your checking account automatically. You should read the disclosures that company has. As for your bank, they can not do anything because you gave authorization for that withdraw when you gave them your account number.
675613
The car loan will show up on both your credit reports for seven years after the last payment is made. From a banking perspective, both of you are equally liable for the payments, so the best thing you can do is to pay on your loan consistently and on-time. Completing a major loan like this will go a long way to boosting your credit score. Contrary to the other poster's belief, paying it off early will not hurt your credit rating. Such things are common as people often refinance or roll loans into new loans during the loan period.
1147915
Some do... at the FatWallet forums (which I'll link to), they've compiled a list of the financial institutions (as well as some other companies) that are known to do a "hard pull" on your credit report (which messes it up) for non-credit accounts.\n\nhttp://www.fatwallet.com/forums/messageview.php?start=0&catid=52&threadid=260724
831936
If it's tied to a business, it shouldn't show up on your personal credit account.  However, If it's a small business, the credit company may use your personal background to assess credit risk.
253772
You can't it's all a trick,I've tried them all. Go to a bank and apply for a loan even if you know you won't get approved. This is the only FREE credit report I've found. \nYou will receive a complete credit report from the bank!
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.
916280
This will show up as a Foreclosure and ruin your credit. \n\nIt will be very hard for you to purchase a new home in your new state, not impossible but very very hard. You'll be looking at an interest rate of 9.5% on up. \n\nMost lenders won't finance with a Foreclosure on your credit report. I would suggest a REFI w/ Foreclosure Buyout.
985749
it should be listed on your credit report\n\nwww.equifax.com
292764
I dont think there is any "quick" way to build credit.  The way I started my credit was I got a loan from my bank for 2000.  I put that money in savings and used that money to pay on it every month.  It takes about six months for it to appear on your credit report, my suggestion is to have it paid off in the 6 months so that you are not paying as much interest on the loan.  This will also allow you to establish credit with the bank and if you ever need them again they will take into consideration that you paid off the last loan they gave you with no problem.  Another way is by getting a department store credit card.  make a small purchase on it a month, and every month pay that purchase off.  If you are denied the credit card, wait at least 3 months before applying for another one.  Too many inquires on your credit will only hurt your credit score.
763757
I bought a car on Oct 6 and I checked my credit a couple of days ago and it was already on there!  My first payment has not yet been deposited by them.
169867
It is not a matter of how many times you dispute it as it is getting proof that you are right.  If you have proof that you are right, you can present it when you try to get credit.\n\nIf they say you owe 1st National Bank $10,000, and you don't, and you are trying to borrow money from Bank of America, just get a statement from First National saying that you don't owe the money and give it to Bank of America.
246507
I'd check your credit report.\n\nhttp://annualcreditreport.com is free, no catches, nothing to join.
60253
As a customer service rep, I am sorry to hear about your frustration regarding your student loans.  Since I am not at work right now, I can speak my mind and give my personal opinion.  You may want to become acquainted with the Better Business Bureau if you have not thought about that before.  Allow me to introduce you (see links below).  You may want to consider filing a complaint with the Better Business Bureau.  You would have to explain the details in detail (literally), but you would get your problem resolved promptly.  If you have the proof (receipts, invoices, etc.) to show that the bank completed a double transaction, they will request that for resolution purposes.  If the bank is doing this to you, it's highly likely that there are other customers that have experienced similar frustrations.  Sure, there are periods of time when companies get busy and you may not get the immediate answer that you want, but reasonably, something should have happened within two weeks or so.  You had stated that your loan payment was in October.  This is now January...they should be getting a move-on AND I don't blame you for wanting to take your business elsewhere.  Try one of the links below for additional contact information.
663639
Anytime someone co-signs on a loan it affects their credit whether it be good or bad.  Example: If someone takes a loan out for $3000 and puts their car up for security and I cosign and their loan goes into default and their car is repossessed then it goes on my credit report as well as theirs. If the loan or whatever has gone to collection agencies already then it is probably already on their credit report.