Account Questions | Credit Reporting


We report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.


U.S. Auto reports account data to the three major credit bureaus: Equifax, Experian and TransUnion. Typically, your account will appear on your credit report within 45 days after the purchase date of your vehicle. Credit reporting occurs once per month for the previous month. For example, payments made in the month of April will be reported in May. The credit bureaus may take up to 30 days to validate the data. This means, you may see a delay before your information appears. 


If you have credit reporting questions, please contact or write to us at PO Box 1203, Lawrenceville, Georgia 30046, Attn: Credit Reporting.

Frequently asked questions

Which credit bureaus does U.S. Auto Servicing report account information?

U.S. Auto reports to all three national consumer reporting agencies: Experian, Equifax, and TransUnion. Contact information for all three is as follows: TransUnion
P.O. Box 390
Springfield, PA 19064-0390

P.O. Box 949
Allen, TX 75013-0949

P.O. Box 740214
Atlanta, GA 30374-0241

How do I dispute information U.S. Auto Servicing has reported to a consumer reporting agency?

Please send a written account of your dispute to:

How soon after my purchase will my account be reported to the credit bureaus?

The account should appear within 30-45 days from your purchase date.

Can you report my account to the credit bureaus now that I've paid off my car?

If we've been reporting your account to the credit bureaus, then your paid-off account will be updated within 30-45 days. If we've never reported your account to the credit bureaus, then we cannot report the paid-off account because it is considered a "closed" account.

Why aren't my payments for this month showing on my credit report?

We perform our credit reporting once a month for the previous month. For example, payments made in the month of April may not appear until June. Please note, that it may take the credit bureaus 30 days to validate the data. This once a month reporting may cause a delay in your information appearing on the credit report.

My payment is $200.00 (bi-weekly), why are you reporting that it's $433.00 monthly?

If your payments are setup as bi-weekly (every other week), two months out of the year, you will have three payments due for those particular months. This means, you'll have a total of 26 payments per year. The monthly average is calculated by using the following formula: $200.00 (bi-weekly payment amount) x 26 (payments) / 12 (months) = $433.00

Why is this account lowering my credit score?

There are many factors that can affect your credit score. We suggest you contact the credit bureaus directly for more information.

How do I find out more information about credit reports?

For the CFPB guidance on credit reports see their website at: Should you have additional questions or concerns, please contact us at In your email include your full name, account number and the last six digits of your VIN.