@pizzadude wrote:
@Creditdreamer wrote:
I got a second chance auto loan (not because of a repo but because of my COs) at 24% interest. I needed a car but also I just wanted the positive payments on my CR. I found out they only report to EX. Is that normal? Kind of hoped they'd report to all three. Maybe it's because it's a second chance loan? Any ideas?
I don't know for certain about this creditor, but any creditor can choose to report to one, two or all three CRAs, it is just a business decision. I would suggest giving them a call and asking if they could report to the others.
Yeah, it's completely up to the lending institution, they're not required to report at all legally.
That said, it could be worse: EX is a pretty commonly pulled report by many national lenders, and on a mortgage application it'll get merged anyway if it's reporting on one. It could be only reporting to TU after all 
