If you sign a credit application for auto financing at a dealership, the dealer may submit your credit application to multiple lenders. Lenders who receive your application may submit a request to the credit reporting agencies (CRAs), like Equifax, Experian and TransUnion, to view your credit report. These inquiries generate a hard credit check (also known as a "pull," "inquiry" or "hit") and may be visible on your credit report for two years, even for the lenders who do not fund your loan.  Note that when multiple lender credit checks occur within a certain timing window—typically within 14 t

Credit reporting agencies (CRAs), like Equifax, Experian and TransUnion, prepare your credit report. A CRA receives credit information from “furnishers,” like lenders and auto finance companies, that extend credit. Information provided by furnishers, including Capital One Auto Finance, must be accurate and complete. We furnish information on payment history, such as whether you made your payment on time or late. On a monthly basis, we notify the CRAs that accounts 30 days or more past due are delinquent. If applicable, we may also include an account’s status, such as whether a vehicle was repo

Credit reporting agencies (CRAs), like Equifax, Experian and TransUnion, decide when, how, and for how long the information furnished to the CRA will display on your credit report. CRAs determine how long they will report information about a specific account (i.e., tradeline), as permitted by law. Late payment information could remain on a credit report for up to 7 years; account statuses in certain situations (e.g., bankruptcy) could remain on a credit report for up to 10 years.  Of important note, delinquent payment history is not deleted from your credit report once you become current, pay