Good question... I dunno what is the right answer. I'll do some investigation and get back to you if I got an answer. You should email the people at Lending Tree as they probably can answer it..

Car lot that does not report and a boat Lending Tree loan form same place...

Are you trying to get new credit to build good credit for your files, or are you trying to get an existing tradeline added that isn't being reported? I doubt I can help, but if you clarify a little someone else might have some ideas?..

If the place is registered with EQ/EXP/TU they can add stuff to your credit report. Just call your creditor up and ask them..

They have this form they can send in (UDF) that will add/remove/update stuff on your credit report, IF they have a contract with the CRA's. Most places have some sort of electronic method as well, of course..

Hope that helps...

I am tring to add credit, they dont have an account with any of the three CRA..

I have tried all the conventional ways no I am willing to do what ever it takes. The CRA are much worse then the MOB atleast we put them in jail. I never heard of the ceo going to jail. So idont care how it gets done someone must no how to kink the crooks AKA CRA's..

Does any one no of a more creative credit web site..

Hello NoDown,.

To answer your last question first, no, there are no more creative credit web sites in existence today..

Secondly, This is actually tricky business. Especially if the TL you're trying to add is good. I assume it is or you wouldn't be trying to add it..

CRA's have no desire to help you improve your credit situation. Their excuse is that;.

1) Your creditor must have a subscriber contract before we will add the info. This applies, of course, only to positive info. If it's negative they'll add it with no problems..

2) They are not legally required to add anything, if they don't want to..

Assuming you've tried to get the OC to request addition to your file and assuming you've already asked them to do so, as it appears you have, you have only a couple of limited choices at this point..

Get a letter from the OC stating that your credit account was paid: As Agreed/Never Late..

Submit that letter to the CRA's and request that it be included as your "consumer statement"..

Whenever you request credit be sure to let the creditor know there IS a consumer statement and to please read it..

Or you might consider a lawsuit. I'm currently working on that option but admittedly running out of options at present..

Sorry I can't be of more encouraging about this issue but I'm afraid we're kinda stuck on this one for right now..

:)..

EQ and EXP require the OC to have 500 accounts in order to have a subscriber account that allows them to report positive tradelines..

I know a lot of small car and boat dealers that want to report , but they don't meet the 500 requirement..

If we can get 500 people to play along we can get an account with the CRA's..

There are some people that will let you piggyback on thier account. I haven't been able to find them...