About JD financing, I'd like to relate my experience with them, and my apologies if it's off topic.
During the end of December 2002, I financed my JD 4210 and attachments through JD Credit, and I had the 60 month contract paid off in August of 2003. A $20,000 loan paid off over four years early, I had expected that to reflect well upon my credit record.
Last month I requested my free credit reports from the three agencies, and on none of them was my credit history with John Deere Credit. Not one word. A few days ago I emailed JDC requesting that my credit history be reported to all three credit reporting agencies, and about an hour ago I received this reply:
"Dear Sir, thank you for your recent email inquiry. Unfortunately, our computer interface is not set up to report to the credit bureaus. However, we may replace that system in the next few years so that we will then be able to report to the credit bureaus. For questions, please contact our Customer Service Dept. at.....
Thank you for your business with John Deere Credit.
Sincerely,
Service coordinator,
Customer service
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This is SERVICE? How did they ever check my credit record prior to making me the loan in the first place?
Does anyone else have an identical experience? Sears put a black mark on my credit record over a $30 bill they misapplied my payment for, but JD Credit is unable to report that I paid off a twenty grand loan four years early.