Credit Reporting?

[Anonymous]

I have had credit for going on 5 months now, and all of the creditors report to all 3 of the major credit burearus. I check my credit everyday through credit monitoring thats offered directly from each of the burearus and they have reported to each burearu except from Equifax and it shows I have nothing on my Equifax report. I call them and tell them that and they tell me that I have to have each of the creditors call a number but the creditors refuse to call the number and I just want something reporting in my Equifax report so I can get a car in the near future because the local car dealer only checks Equifax. What should I do? Any suggestions to any Secured CC accounts that report to Equifax?

[KellyP25721]

What creditors/TL's do you have that are not reporting?

[takeshi74]

Not all creditors report to all 3 CRA's.  If a creditor does not noemally report to Equifax you cannot force them to do so.  However, if they do normally report to Equifax and soome issue is preventing your accounts from reporting then you can look into that and see about getting it addressed but you'd need to contact the creditor and have them investigate.

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@Anonymous wrote:

I just want something reporting in my Equifax report so I can get a car in the near future because the local car dealer only checks Equifax. What should I do? 

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You can also arrange your own financing using another creditor that does not rely on Equifax.  I'd advise doing so anyway since relying on a dealer's finance department can results in multiple hard pulls.  Those pulls should treated as a single hard pull for car shopping by automated systems but in some cases that doesn't work out so I don't recommend relying on it.

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@Anonymous wrote:

Any suggestions to any Secured CC accounts that report to Equifax?

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You can refer to the Credit Pulls Databse (Google to find it) to see which creditors tend to pull which CRA's in which states.