Question about auto loan?

I worked in finance at a car dealership for 5 plus years and have never seen that. There must be a problem with your social security number or date of birth. The only way to have a zero is something is wrong. Even my mother, who has no credit to speak of (shes from that generation where evrything is done with cash), her report says “insufficient amount or history, no credit available”. There is no “0″. Try contacting them (the credit bureaus) and see whats up. hopefully its not fraud……

I don’t think your score was zero, they meant you had zero credit which means a blank pull (no good or bad).

It sounds like the companies you have credit with don’t report. My suggestion would be to contact your creditors and ask them to do a courtesy report on your account. Most will do so although they are not required to and it can take up to 90 days after they do it to show.

I have found that one of the best ways to improve your credit is with a Secured credit card. I suggest either National City or Orchard bank. Both have fairly low deposit requirements ($250), both report on a regular basis as a standard(unsecured) card, and both will convert your card to unsecured after a year of good payment history.

The other option is to give the finance manager/loan officer at the dealership/bank a list of your creditors and ask him to verify your payment history manualy. They can usually do that as a last resort.