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Thread: Reporting Car Payments to 3 Bureaus

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    Default Reporting Car Payments to 3 Bureaus

    I financed my car through the Mom & Pop's shop that I bought it from and I just paid it off last week. I asked the owner to report the payments and he said he didn't know how but referred me to a guy who knew what to do. He told me to be careful because he didn't know this guy well. Anyhow, the guy calls me and first gets my name wrong, then sounds really unprofessional, then says that it costs between $500 and $1000 to get the information on my credit file based on the credit line. I read otherwise somewhere online a few months back and I told him so and hung up the phone. Besides, I refuse to believe that companies pay that much per file to report information to the bureaus. That's ridiculous. Does anybody know what I can do to get this information on my file? Please help! I'm pissed!

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    Default Re: Reporting Car Payments to 3 Bureaus

    http://www.ftc.gov/bcp/conline/pubs/credit/bbcr.htm

    It says you have to contact each of the companies individually, and they'll charge a small fee - nothing like hundreds of dollars! The phone numbers are listed at the top of the page. It looks like it'll be your responsibility to continually contact them to update your status, as you pay it off.

    Btw, you didn't by any chance give the scammer your social sec # or any account information, did you? If you did, you may want to put a temporary freeze on your file so no new accounts can't be obtained for 6 months; watch for indentity theft.

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    Default Re: Reporting Car Payments to 3 Bureaus

    Thank you SO much! I've been looking for this info for days!

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