http://www.credit.com/forum/posts/list/31.page JForum - http://www.jforum.net http://www.credit.com/forum/posts/preList/421/1402.page http://www.credit.com/forum/posts/preList/421/1402.page GMT http://www.credit.com/forum/posts/preList/421/1403.page http://www.credit.com/forum/posts/preList/421/1403.page GMT , but they won't return any of my calls or emails. This loan was paid off 100% on time. How many points could this loan add to my credit score if they report it? If they don't report it, should I go back to the bank and see what they can do???]]> http://www.credit.com/forum/posts/preList/421/1545.page http://www.credit.com/forum/posts/preList/421/1545.page GMT http://www.credit.com/forum/posts/preList/421/1546.page http://www.credit.com/forum/posts/preList/421/1546.page GMT
Now in regards to the reporting. The only way that the loan will be reported is if the lender that financed the loan (the company you made the car payments to most likely) can report the loan to the credit bureaus. I know it's frustrating and you haven't been able to get a response but based on what I'm reading, it's really Heritage Bank that would have to actually report the loan (if they were the lender in the program). It's also important to point out that credit reporting is completely voluntary and the lender isn't required to report to the bureaus. This is one of the reasons we advise that consumers ask the lender if they report to the credit reporting agencies before they apply for a loan. Some lenders will report to one bureau but not all three. And some lenders won't report to any of the three. This is more common with Credit Unions but it's still a good idea to ask beforehand.

Don't give up until you get a solid answer though. I would contact Heritage Bank again and go up the chain of command to get an answer on whether or not they report to the bureaus. And if they do, request that they report the account. ]]> http://www.credit.com/forum/posts/preList/421/1547.page http://www.credit.com/forum/posts/preList/421/1547.page GMT