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UNDERSTANDING CREDIT REPORTING & VEHICLE FINANCING Helping You Understand Credit Reporting and Auto Financing When you apply for an auto loan or any loan, lenders typically review your credit report.  In many cases, having a good credit report makes it easier for you to get loans and lower interest rates. Establishing or re-establishing your credit is an important step to financial freedom.  The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the Fair Credit Reporting Act with respect to credit reporting. The agency provides many resources for consumers including how to build better credit and how to get a free copy of your credit report.

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