I have a couple questions and Ive looked through many posts trying to find the answer. My Bk was discharged 1/9/16 and I reaffirmed my auto with a CU, long story but somewhere I think I've mentioned it. I negotiated balance down to fair market value and they have been extremely nice and easy to work with. I have started my rebuild and recieved two Capone cards right out the gate and I have installment loans as well, so my score is climbing and I'm happy for that. My question is my auto loan by the CU had always been reporting a an unsecured personal loan, for 4 years. Apparently when it was entered into the system they hit the wrong codes, so it looks like I havent had a car loan since 2012. I called and they are fixing it to report as auto loan, some bureaus are reflecting already. No missed or late payments the whole time. Will this help my auto enhanced score at some point? If so does anyone know when or how that will affect? I have some late payments in 2011 and 2012 (3 total , nov, dec, jan-from other previous loan) Will I be able to buy another vehicle? Should I have left it the way it was, personal loan unsecured? ( probably don't want to know the answer to that) It does show Auto loan, reaffirmed debt now, reporting all good pmts. Seems it's bette to have reporting auto loan payments but I thought I'd ask. Also am I reading correctly that the Auto enhanced will go up when other scores go up?
TIA- I appreciate all the input and comments I read here, Thank you for all your time on these forums
