If that lender does not report to a Credit Bureau, then it will not be added to your report. Lenders have to pay to have data recorded and updated, and many smaller lenders don’t have the funds or technology to make it happen. The only thing you can do is keep this information and provide it to future lenders. There are still many banks or other lenders that accept “alternative credit”. Just make sure your new lender does report to the Credit Bureaus, so you can start developing your credit score.

You need to send a letter to the credit bureau asking them to add this line of credit to your report.

They will then have to contact the lender to verify the information.