Car and Credit Loans
Auto loan credit reports from different sources might look different to you. One specific kind of report which is available only to lenders and dealers, which give car loans, also helps in assessing different parameters as compared to other credit reports. If you come across this report, don't misunderstand and assume that the lender is trying to fool you. There are chances that the lenders report is accurate too.

Need a Car Loan?
It may happen that you are not given an auto loans online because your report states that you are not eligible for the same. In such a case you have every right to have a copy of your credit report. You can get this copy free of cost. You should check the report for mistakes and in case you find any, you need to get them rectified. This will enable you to get more loans.

Repaying Old debts?
If you have a bad credit history, you should raise your credit score, which gives you a good bargaining power. If your debt has been forwarded to a debt collection agency, you might have some chances of recovering your credit score. You need to pay for deletion if you want to clean your credit report. This way your credit report won't show the debt you had at all. If you fail to do so, your credit score will show it and this might damage the chances of you availing the benefit of a guaranteed car loan in future.

If you have had bad credit history with credit cards but somehow you paid the money you will have a feeling that you should cancel some of the cards so that you are not tempted to use them. Please don't cancel them. Available credit helps a lot in determining your credit score. If you make a wise decision and keep your card, it will translate to a high credit score. This further helps you to get an auto loan.