<prompt> Human: Im 22 and have been trying to get a credit card, but I get denied due to limited credit history. Ive been telling the people at the bank that Ive been paying a car payment for the last 3 years and they say they only have 14 months of recorded credit history. They suggested I contact the dealer. I contact the dealer and they say i need to contact chase bank, I reach out to chase who says I need to contact equifax. I call them and they have all my payments on record, but they stopped having my payments affect my credit score after 14 months without explanation. They said this is an error and my score is 666, I asked if they fix the issue will my score be adjusted, they said no because they dont know if I would have made those payments on time, even though they have all the payments on record, every 6th of the month for the last 3 years. What do I do? No one is taking fault here but my score is being impacted.  <response>: There is no requirement to report your payments to the CRAs. If they say you didnt pay and you did then that would need to be corrected. 