diff --git a/CHANGES.md b/CHANGES.md
index 0b2af47551..ea34ee65b3 100644
--- a/CHANGES.md
+++ b/CHANGES.md
@@ -11,6 +11,9 @@ We adhere to the [keepachangelog](https://keepachangelog.com/en/1.0.0/) format (
 
 ## [Unreleased]
 
+### Fixed
+* Git user config and system config also included for defaultEndings configuration. ([#540](https://github.com/diffplug/spotless/issues/540))
+
 ## [2.24.1] - 2022-03-30
 ### Fixed
 * Fixed access modifiers for setters in KtfmtStep configuration
diff --git a/lib-extra/src/main/java/com/diffplug/spotless/extra/GitAttributesLineEndings.java b/lib-extra/src/main/java/com/diffplug/spotless/extra/GitAttributesLineEndings.java
index 4aab23e142..ae9f0ceec1 100644
--- a/lib-extra/src/main/java/com/diffplug/spotless/extra/GitAttributesLineEndings.java
+++ b/lib-extra/src/main/java/com/diffplug/spotless/extra/GitAttributesLineEndings.java
@@ -172,7 +172,7 @@ static class RuntimeInit {
 			//////////////////////////
 			// REPO-SPECIFIC VALUES //
 			//////////////////////////
-			RepositorySpecificResolver repositoryResolver = GitWorkarounds.fileRepositoryResolverForProject(projectDir);
+			RepositorySpecificResolver repositoryResolver = GitWorkarounds.fileRepositoryResolverForProject(projectDir, userConfig);
 			if (repositoryResolver.getGitDir() != null) {
 				workTree = repositoryResolver.getWorkTree();
 				repoConfig = repositoryResolver.getRepositoryConfig();
diff --git a/lib-extra/src/main/java/com/diffplug/spotless/extra/GitWorkarounds.java b/lib-extra/src/main/java/com/diffplug/spotless/extra/GitWorkarounds.java
index a66650b38f..70f0b9cb99 100644
--- a/lib-extra/src/main/java/com/diffplug/spotless/extra/GitWorkarounds.java
+++ b/lib-extra/src/main/java/com/diffplug/spotless/extra/GitWorkarounds.java
@@ -62,7 +62,20 @@ private GitWorkarounds() {}
 	 * @return the builder.
 	 */
 	static RepositorySpecificResolver fileRepositoryResolverForProject(File projectDir) {
-		RepositorySpecificResolver repositoryResolver = new RepositorySpecificResolver();
+		return fileRepositoryResolverForProject(projectDir, null);
+	}
+
+	/**
+	 * Creates a {@link RepositorySpecificResolver} for the given project directory.
+	 *
+	 * This applies a workaround for JGit not supporting worktrees properly.
+	 *
+	 * @param projectDir the project directory.
+	 * @param baseConfig the user and system level git config.
+	 * @return the builder.
+	 */
+	static RepositorySpecificResolver fileRepositoryResolverForProject(File projectDir, @Nullable Config baseConfig) {
+		RepositorySpecificResolver repositoryResolver = new RepositorySpecificResolver(baseConfig);
 		repositoryResolver.findGitDir(projectDir);
 		repositoryResolver.readEnvironment();
 		if (repositoryResolver.getGitDir() != null || repositoryResolver.getWorkTree() != null) {
@@ -94,6 +107,16 @@ static class RepositorySpecificResolver extends FileRepositoryBuilder {
 
 		private File commonDirectory;
 
+		private Config baseConfig;
+
+		public RepositorySpecificResolver() {
+			this(null);
+		}
+
+		public RepositorySpecificResolver(@Nullable Config baseConfig) {
+			this.baseConfig = baseConfig;
+		}
+
 		/** @return the repository specific configuration. */
 		Config getRepositoryConfig() {
 			return Errors.rethrow().get(this::getConfig);
@@ -108,7 +131,12 @@ Config getRepositoryConfig() {
 		protected Config loadConfig() throws IOException {
 			if (getGitDir() != null) {
 				File path = resolveWithCommonDir(Constants.CONFIG);
-				FileBasedConfig cfg = new FileBasedConfig(path, safeFS());
+				FileBasedConfig cfg = null;
+				if (this.baseConfig == null) {
+					cfg = new FileBasedConfig(path, safeFS());
+				} else {
+					cfg = new FileBasedConfig(baseConfig, path, safeFS());
+				}
 				try {
 					cfg.load();
 
diff --git a/plugin-gradle/CHANGES.md b/plugin-gradle/CHANGES.md
index 67413e9014..f420e83323 100644
--- a/plugin-gradle/CHANGES.md
+++ b/plugin-gradle/CHANGES.md
@@ -4,6 +4,9 @@ We adhere to the [keepachangelog](https://keepachangelog.com/en/1.0.0/) format (
 
 ## [Unreleased]
 
+### Fixed
+* Git user config and system config also included for defaultEndings configuration. ([#540](https://github.com/diffplug/spotless/issues/540))
+
 ## [6.4.1] - 2022-03-30
 ### Fixed
 * Fixed ktfmt options configuration in Gradle plugin for Gradle Kotlin scripts (kts).
diff --git a/plugin-maven/CHANGES.md b/plugin-maven/CHANGES.md
index 508e7f4997..8863af1825 100644
--- a/plugin-maven/CHANGES.md
+++ b/plugin-maven/CHANGES.md
@@ -4,6 +4,9 @@ We adhere to the [keepachangelog](https://keepachangelog.com/en/1.0.0/) format (
 
 ## [Unreleased]
 
+### Fixed
+* Git user config and system config also included for defaultEndings configuration. ([#540](https://github.com/diffplug/spotless/issues/540))
+
 ## [2.22.0] - 2022-03-28
 ### Added
 * Added support for setting custom parameters for Kotlin ktfmt in Maven plugin. ([#1145](https://github.com/diffplug/spotless/pull/1145))