National Independent Automobile Dealers Association
Serving Quality Independent Automobile Dealers Since 1946

BHPH Tradeline Reporting Program

Equifax and NIADA BHPH Credit Data Furnishing Partnership

Equifax has partnered with the NIADA to allow BHPH dealers to report their loan portfolios to Equifax, regardless of the size of the portfolio. In short, this program helps dealers of all sizes to become credit data furnishers with Equifax.

In the past, many NIADA members wanted to furnish trade line data to a Credit Bureau, however many smaller owners weren’t able to report, didn’t understand the process or found the process complex.

Equifax has lifted tradeline reporting minimums for NIADA members only and also has dedicated resources to help make the process less complex for all dealers, with one on one data analyst support to assist every dealer throughout the process---from on-boarding, set up, and furnishing the data on an ongoing basis.

Reporting to credit bureaus can help both consumers and dealers in the long run.
  • Without reporting payments, consumers can’t prove they can repay an auto loan in a timely fashion, which ultimately prevents them from improving their credit score.
  • It's a way for consumers to rebuild their financial standing and BHPH dealers to offer better  terms on the next vehicle purchase along with enhancing customer loyalty
  • Encourages customers to make timely payments because their credit rating may be directly impacted by how they perform on their loan.
  • Allows small to medium size NIADA members to report credit tradelines.

Click for more information

To sign up, contact an Equifax representative and get
started today!


National Independent Automobile Dealers Association
2521 Brown Blvd., Arlington, TX, 76006 | 800-682-3837