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I have a car loan that I have been paying on since 3/2009 and it only shows up on my EX report.
Never late in 28 months. Wouldn't it help my score a whole lot on TU and EQ?
The lender who you are making the payments to would have to report the loan to TU and Equifax. You ask them and see what they say.
My car lender wasn't making monthly reports. It was still reporting from when I was late a few months ago. I called, and the CSR said she would mark it so that they would report monthly. Today, I got an alert that it was reporting up to date.