How to Get a Private Mortgage on My Credit Report

While your mortgage is typically the largest account on your credit report, private lenders often do not report to the credit bureaus. Your credit report should reflect a complete picture of your payment history and should especially include the most important payment you make each month. Making sure your credit report is accurate and includes all of your best-handled accounts can also improve your credit score. Consider taking steps to add your private mortgage to your credit report.

Instructions

1

Contact your private mortgage holder. Request that your account be added to each of the three credit-reporting agencies: Equifax, TransUnion and Experian. Make it easy for your lender by providing the contact information for the credit bureaus and your mortgage information, such as your account number, original and current principal balance, and payment history since inception. Let your lender know how important it is to continue reporting to the credit bureaus monthly, not just once.

2

Contact each of the credit bureaus to request your unreported private mortgage be added to your credit file. Call or go online to find out what each bureaus requirement is, but most likely youll have to correspond by mail. Be prepared to supply supporting documentation, such as your identification and mortgage contact information and payment history; dont send your originals -- keep copies.

3

Make sure your private mortgage is being reported to the credit bureau agencies by checking your credit report about 30 to 45 days after you request its addition to your credit file. Order your free all-in-one credit report from the three main credit-reporting agencies by going online to AnnualCreditReport.com. Print your reports so you can make sure there are no errors or inaccuracies, especially with the newly reported account. If you notice mistakes, complete online dispute forms with each of the credit bureaus.