hello...this my first post 
!! Currently my credits scores are pretty decent...going from a 508 in 2007 to 713, 737, 767 (still with a charge off, a judgement, and late student loan payments). Anyway i have two accounts not being reported to equifax and transunion (only experian) ,that are paid in full and last reported in 2009. One is a car loan for 48monts and a personal loan for 36 months (credit union). My question is ..IS IT TOO LATE to request these accounts to be reported to the other credit bureaus??? with a number of a negative accounts i needed some positive payoff to make me look half way responsible.
@liyfe1 wrote:hello...this my first post
It is possible that the lenders only report to Experian and not to the other two bureaus. Reporting to the credit bureaus is voluntary, and a creditor may choose to report to all 3, just one, or none at all. There really isn't any way to compel a creditor to report to all the credit bureaus. I know that some people here have asked, but generally have been unsuccessful. The creditors have to pay to report, and if they don't have an existing reporting agreement with a credit bureau, then it's unlikely that they'd make an exception for an individual.
With a middle score of 737, you already look better than halfway responsible .
If you're on the west coast anyway (sort of guessing you are since you wound up with a few Experian-only reporters) you'll probably be fine: Ex is the default pull for lenders on the west coast, and for those with national presense, they'll pull either all three or Ex because of where you live (more often than not anyway with some exceptions).
If you go for the big ticket items, like a mortgage loan certainly, or a lot of auto loans, they'll do a tri-pull anyway and your extra loans will count just fine there.
