Having inaccurate information on your credit report, particularly negative information can seriously affect your ability to obtain credit when purchasing a home or financing a vehicle.
If you believe there is incorrect information on your credit report you can log a dispute.
The simple answer is all debt…
Unless you borrow money from a friend or relative, all and any debt will appear on the records of the credit bureaus. Put another way, any loan, credit or finance through a registered financial service provider or registered credit grantor will affect your credit score.
They will able to track the details of all loans or credit agreements. They will have aces to open balances, current installments, payment history and total debt.