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If you have no credit or poor credit history, getting a car loan paid off is a way to bring a credit score up again. But for car loans without credit check policies, the lender does not report the transaction and its history to the appropriate credit authorities. As a result, despite all the hard work of paying off the loan in full at max interest, the credit rating wont change, and the fact that paying off the loan is an uphill battle due to the poor terms, the borrower wont be able to improve their credit score. The loan does not enter their credit history. [link widoczny dla zalogowanych] Better Than a Payday Loan By Far! Scrub Your Credit Reports Clean: You can get a free credit report every year at annualcreditreport.com or by calling 1-877-322-8228. Make sure delinquent payments you've paid off get erased from your report. It's supposed to happen automatically, but frequently these black marks just don't get removed. You're also going to want to double-check all the numbers on your report: credit lines, delinquencies, and loan amounts can all be misreported. For mistakes, you'll have to let both your creditor and credit agencies know of the problem.

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