<prompt> Human: From 2012 to 2016 i paid off a car loan auto debit every month on time for no more or no less. 60 payments. then i got a home loan in may 2017 and they checked all 3 scores which all came back 720. last week saturday i went to a car dealership and they said i have no credit history. they said they were able to access my info just fine but that there was no history. the manager of the car dealership told me i need to get an auto loan to get my credit rolling again, but it was a horrible rate because i have no credit history...i called equifax and the lady said i cant help you with that sir.  <response>: The car salesman was lying to you. Thats what they do. He wanted to bamboozle you into getting super expensive financing. 