📈 Equifax · Experian · TransUnion

A Buy Here Pay Here Dealer That Reports to All 3 Credit Bureaus

✅ Reported From Your First Payment

EZ AUTO, at 1612 W. Memorial Blvd in Lakeland, Polk County, reports your car payments to Equifax, Experian and TransUnion. If you are going to make a car payment every two weeks anyway, it should count toward your credit history.

✅ Apply Now — Build Credit as You Drive → 📞 (863) 940-9675

Why It Matters

Not Every Buy Here Pay Here Lot Reports

Reporting to the credit bureaus is optional for a dealer, and it costs time and money to do. Many lots skip it.

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If the Dealer Doesn't Report

You can pay on time for two years and your credit file looks the same as the day you bought the car.

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If the Dealer Reports

Each payment is added to your credit history, where future lenders, landlords and insurers can see it.

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How to Check Any Dealer

Ask before you sign: "Do you report to Equifax, Experian and TransUnion, and starting when?" Get the answer in writing.

How We Do It

How Credit Reporting Works at EZ AUTO

You do not have to sign up for anything or pay extra. It is part of every loan.

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From Payment One

Reporting starts with your first payment, not after a waiting period.

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All Three Bureaus

We report to Equifax, Experian and TransUnion, so the account shows whichever bureau a future lender checks.

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A Schedule You Can Keep

Bi-weekly, semi-monthly or monthly payments, set around your payday, so paying on time is realistic.

Good to Know

What to Expect From Your Credit

We will not promise a number. Credit scores depend on your whole file, not one account.

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It Takes Months, Not Days

New accounts usually appear on your reports within one to two billing cycles, and history builds from there.

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Check Your Own Reports

You can see all three of your reports free at annualcreditreport.com and confirm the EZ AUTO account is listed.

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Call Before You're Late

If a payment is going to be a problem, call (863) 940-9675 before the due date. We work with customers who call first.

Common Questions

FAQ — Buy Here Pay Here and Credit Reporting

Yes. EZ AUTO reports your payments to all three major credit bureaus: Equifax, Experian and TransUnion, starting with your first payment.

No. Reporting is voluntary, and many Buy Here Pay Here dealers do not report at all. Always ask a dealer which bureaus they report to before you sign.

EZ AUTO, at 1612 W. Memorial Blvd in Lakeland, reports to Equifax, Experian and TransUnion. For any other dealer, ask them directly and get the answer in writing.

It usually appears within one to two billing cycles after your first payment. You can check all three reports free at annualcreditreport.com.

On-time payments add positive history to your file, which is one of the main things credit scores measure. How much a score moves depends on the rest of your credit history, so we do not promise a number.

Make your car payment count toward your credit

Mon–Fri 9am–6pm · Saturday 10am–4pm · 1612 W. Memorial Blvd, Lakeland FL

✅ Apply Now → 📞 Call (863) 940-9675

Buy Here Pay Here Dealers in Polk County That Report to Equifax, Experian and TransUnion

EZ AUTO is a Buy Here Pay Here used car dealership in Lakeland, Florida that reports customer payments to all three major credit bureaus — Equifax, Experian and TransUnion — beginning with the first payment. Approval is based on income with no hard credit pull, every vehicle includes a 12-month / 12,000-mile powertrain warranty, and down payments start around $1,000. We have served Lakeland, Auburndale, Plant City, Winter Haven, Bartow and Mulberry since 2017. For more detail, read how to rebuild credit with a Buy Here Pay Here loan or what Buy Here Pay Here means.