Mother cannot report personal car payments

Dear Experian,

I’ve been making regular car payments to my mother for a loan in her name. How can she report these payments to help my credit?



Dear ZAB,

Your mother cannot report the payments. In order for the auto loan to appear on your credit report, the creditor would need to add your name to the loan. However, that would likely require that the loan be refinanced.

I assume that your mother applied for the loan because you did not have a credit history to help you get approved. A possible solution could be to apply for a loan in your own name and ask your mother to cosign on the loan.

As a cosigner or joint account holder, the payments would appear on both your credit report and your mother’s.

The new loan would allow you to pay the remaining balance on your mother’s car loan and have the car transferred to your name. The old loan would show as paid in full on your mother’s credit report.

Talk with your bank or credit union to see if they can help you.

Thanks for asking.

- The “Ask Experian” team

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