text: i payed a loan in full and on time but it has no credit value why?   always ask if the lender reports to a credit agency.  also, make sure to ask exactly *what* kind of information they report.  there are a lot of lenders out there that will only report information to a credit agency that is negative.  so, for example, if you were late on a payment they would report that information but if you had paid the loan on time they would simply not report anything.