new mortgage not reporting?

[lagb]

Hubby and I bought a house in late Sept 2008, and have refinanced to a lower rate in March 09.  Neither mortgage company reported this mortgage!  The first was CitiMortgage and then that was paid/closed when we refi'd to GMACMortgage.  Why would they not report?  And would my score increase or decrease with the new debt, and all on time payments?

[Anonymous]

Unfortunately they're not obligated to report to the bureaus. I'd call them to find out if it's standard practice for them to report or not. New debts typically show a temporary decrease in score but after a few months payments on time, it should boost your scores.

[lagb]

Thanks!  I'd hate to see such good payment history go to waste!!