The Car Finance company loan not on credit file

A question about : The Car Finance company loan not on credit file

I had/have a poor credit score so I had to use TCFC so I could get a car, so I'm paying well over the odds for a car, thats not my issue, I know I'm a risk because of my credit score.

If anyone knows the answers to my questions or has any advice for me I'd be very grateful.

1. I've had this agreement for 2 years and it has never once been on my credit file on experian, should it be on there?

2. I've not missed a payment and in fact, I have paid higher amounts every month and I'm set to pay it off about 8 months early, if this was on my credit file, could it have positively affected my credit score?

3. why is it not on there?

Best answers:

• Have you looked at all three credit agencies, its possible that the loan company only report to one. Each CRA may have different agreements registered on them, some companies report to all three, others do not.
• They only use Call Credit so try Noddle!