Is your balance decreasing on your auto loan? You could call the lender and ask what their reporting procedures are.
Your cell phone acct usually only shows up if it goes bad -- like most utilities.
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.