Payday loans not on credit report

Most payday loan companies report to their own reporting agency. There are several of them, and they all report on sub prime loans like payday loans. They rarely report to the 3 majors.

If a third party should get your delinquent loans it is more likely they will show up on your credit report at that time!

So how are they affecting my credit? One of my goals besides cleaning up my debt is to clean up my credit report (ie trying to get a pay for delete or such), and it's hard to do with them not showing up on there...

They aren't affecting your credit - Not your real credit score.

But if you try to take out more payday loans or other sub prime loans you will be denied because of the items on those reports.

If they arent showing up, then they arent affecting your credit at this time.

Just keep an eye on it

How do you get a copy or whatever of these reports that sub prime lenders use?

You have to request the report from those bureaus. Teletrack is one that is commonly used. When you visit thier website, click on the consumers tab. Same thing for CL Verify which is another subprime credit reporting bureau. Their site has a consumers tab as well where you can request a copy of your report. You can dispute items on your report as well; though I have never heard from anyone who has completed that process.