I have a $4,000 loan that was transferred from Citibank to a new company in August. The loan is secured by my Dodge pickup, the new credit account is being reported to Equifax as a mortgage loan. My question is: Should I just leave it as a mortgage loan or call them and say it is just a personal loan? Which one looks better on my credit report? It now shows that it has been current since 2008. Any advice would be appreciated... Thanks again guys!