Primary versus secondary on auto loan? How it affects credit?

[SamsungHDTV]

Is there any difference between primary and secondary when it comes to building credit?

Also how about from an underwriter's viewpoint?

[CreditDunce]

If it shows up on your credit report, I don't believe there is any difference.   I doubt that it will say which one is secondary and which is primary.  However, it is possible the bank/CU could add it in as a note on the account. 

[pizzadude]

---

@CreditDunce wrote:

If it shows up on your credit report, I don't believe there is any difference.   I doubt that it will say which one is secondary and which is primary.  However, it is possible the bank/CU could add it in as a note on the account. 

---

I agree, I've never seen a distinction on reports to indicate primary / secondary.   And from an underwriting perspective it would be included in any DTI calculation for either party as they are both responsible for the loan.