Back at the end of January I posted a thread that Transunion was not reporting my car loan account, opened in July of last year even though the creditor claims that they were reporting the account/activity to all three agencies. The creditor swore up, down, in, out, sideways that they were reporting to all three. Now it's April. Yesterday I pulled a new Transunion report - and the account still does not appear on it. The absence of this account - faithfulle paid, on time, every month, is keeping my credit score artificially lower than it currently is.