If your previous auto loan was included in the bankruptcy, the debt would have been discharged when the bankruptcy was completed. If you’re still paying on it that means you reaffirmed the loan during the bankruptcy. None of the lenders our dealers work with do third party loans – they only make loans on vehicles in dealer inventories.

What you can do is check with the lender to see if they report to any of the credit bureaus, since you may be looking at a credit report from just one bureau. If the lender doesn’t report payments to any of the bureaus, request a payment history statement from the lender and keep it as a record of your payments. That way, when you apply for your next loan, you’ll have proof of a past car payment history.