Building Good Credit
Make Sure Good Credit Gets Reported
Some lenders or creditors do not report to all three major credit bureaus. Say you took out a loan from your credit bureau; your credit bureau may only report the loan and your loan activity to one of the credit bureaus. If a creditor does not report to credit bureaus and you have a history of making payments on time those efforts will not help improve your credit.
If building good credit history is important to you, next time you need a loan consider a creditor that reports to all three credit bureaus. In order to build good credit you need a credit history, and without reporting, you have no history at least where your credit report is concerned.