First time poster, so please be kind if this has been posted before. I took out an auto loan in 11/06, my credit was pretty poor so I had to have a co-applicant. I've paid the bill every month on time and sometimes paid more than what was necessary. Last year (3/09) I got my free reports and the loan didnt come up on any of them. I called Americredit and they didnt have my SSN on the loan. I faxed them the paperwork and now its there correctly. I talked to the credit bureaus and they said it could take 2 months for the info to begin to post, but it would include the history of the loan and that would help improve my scores. I just got my free reports this year and the loan still isnt on there! I talked with Americredit and they said they report to all 3 bureaus and the bureaus said if Americredit was reporting, they would have the info. Its getting pretty frustrating. I've had some troubles i the past and have really put forth alot of effort to get my reports clean and this could go a long way to improving my score. Has anyone ever run into this before? Any ideas??
