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When is my BMW Financial Services account reported to the credit reporting agencies?

 
Federal law requires us to advise you that we may report information about your account to credit bureaus. Late payments (more than 29 days past due), missed payments, or other defaults on your account may be reflected on your credit report. As required by law, you are hereby notified that a negative credit report reflecting on your credit records may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.
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BMW Financial Services | BMW FAQ