Cars:ugh the dealership last reported my payments in November now March is coming up!?

Question

When i called them to complain, they said Credit Karma is Laggy and takes time to catch up on they payment history BS~! I just pulled my Equifax and that one said Last report Nov, and she was saying something about you can get a free Credit report a year and that on her computer screen it shows they reported up too Feb till my next payment is due wtf! If thta's the case why everywhere i look it shows November ! November ! November ! November ! November ! November ! November ! November ! November ! November ! November ! November ! November ! November ! November ! November ! My score went up a little bit but if they not reporting wtf am i making a car payment for?

Answer 1

iCam... you think that your score is going to magically jump up with each payment? It takes a few years of solid payment history to see significant score changes.



You're lucky that the car lot reports to the bureaus. Most BHPH lots don't take the time to do so.

Answer 2

By the way my Equifax score is 580 while my TransUnion score is 506 I wish they can hurry up and report so I can hurry up and get in the 600

Answer 3

You do realize that with your history, and the amount of credit inquiries you have, 600 still may not be enough, right?

Answer 4

would suggest not looking at your score for 18 months.