I bought a used car about 2 years ago and I recently found out that the car is not on my credit report. The car ran find for awhile but the transmission failed. I took the car to a transmission servicing station and repairs would range from $1800-$2500. I didn't want to pay that much to repair a 95 Dodge Intrepid so I went to a Nissan dealer to try and trade the car in. Well, to make a long story short; They pulled my credit and could not find the car on it. They thought that I had stolen the car because they couldn't find it on my credit. I had to show them my monthly statements that the bank sends me! The financial advisor there told me that basically, I had been wasting my money because I haven't been building my credit at all over the last 2 years! I had just graduated from college and had very little credit. He also told me that I can't be held responsible for the payments. Is this true?