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How To Get Unreported Credit History?

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freshstart48

Junior Member
Yes. You should get your free credit reports from Experian, TransUnion and Equifax.

You might find you must buy for cash a cheap used car from a private seller. DO NOT DO THIS WITHOUT a trusted mechanic’s INSPECTION first. You can drive this car until you can build up your credit.

Otherwise you will have to use a co-signer or find a lender willing to take a risk - but the latter means you probably be paying a high interest rate.
So even though CreditKarma shows Transunion and Equifax already, I need to just get those credit reports from AnnualCreditReport.com?

And if I had enough cash to buy a cheap car, I would have already done that. Heck, I would have fixed my 2010 Hyundai that is still sitting. Driving Uber is not profitable but it keeps money coming in and allows me to pay my rent and a few other online monthly business expenses.
 


zddoodah

Active Member
I skimmed your extremely long post, and these are the only questions I found.

WHY is there NO credit history for me showing that I made almost 7 years worth of monthly payments?!
Is there anyone who can provide a suggestion of what to do, or tell me how best to go about proving that I made all the payments until June 2018, so that a car dealer can secure financing for me to buy a car in my name?
The first question doesn't raise any legal issue, and no one here will have the slightest idea about it. The second question is more suited for a forum about credit advice. However, ultimately, the decision to give or not give credit is up to the individual lender. If you have a non-standard situation, you might be better off securing a loan from a bank or credit union than trying to get financing through a dealer.
 

Zigner

Senior Member, Non-Attorney
So even though CreditKarma shows Transunion and Equifax already, I need to just get those credit reports from AnnualCreditReport.com?

And if I had enough cash to buy a cheap car, I would have already done that. Heck, I would have fixed my 2010 Hyundai that is still sitting. Driving Uber is not profitable but it keeps money coming in and allows me to pay my rent and a few other online monthly business expenses.
I believe that you are completely honorable and trustworthy, but the records don't show that. Based on your own description, you are right "on the edge". A lender sees that and judges that you are not a healthy credit risk for them. As suggested, you will likely need to find a used car lot that has more generous terms, although you will be paying more in interest.
 

Zigner

Senior Member, Non-Attorney
If you have a non-standard situation, you might be better off securing a loan from a bank or credit union than trying to get financing through a dealer.
This is great advice. Particularly about a credit union.
 

Mass_Shyster

Senior Member
I suggest you continue renting until you've put away enough money to put down a large enough down payment for the banks to not care about your credit, or buy a cheaper car outright. You can probably get something for $5000 that will satisfy Uber's requirements. If you buy new, you'll be looking at $400 per month payments. Put that away for a year and you've got $4800 to buy used.
 

PayrollHRGuy

Senior Member
WOW! Without looking at the paperwork, I'm pretty sure her name was first and my name was second. But, I created the online account and made the payments from my own bank account. Ally always knew that Mom never made a payment.
The online account and who made the payments mean little to nothing. What really matters is the SSN on the account.
 

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