Regular Contributor
Posts: 191
Registered: ‎06-13-2008
Re: Auto Credit and Scoring

how far back can auto loan history go?

I have a car now that the auto loan still shows on my credit report but was paid off back in december of 2006...4 1/2 years no late payments but I have had 5 other auto loans that were all paid in full with no lates whatsoever.but we are going back many years..if the loans are not on my credit report any longer is there anyway to pull my auto loan history without them being on my report other than getting a loan from one of these prior banks?

also as far as credit card balances how bad do having balances that are high hurt you on an auto loan? even if they are all on time payments with no lates?  I know I should just pay them off and then apply for a car loan but I may not be able to wait that long ?