I am in the early stages of getting my credit mortgage ready and noticed that for some reason, none of my credit cards are reporting to Equifax. They have all of my information (limit, balance, payment, etc) but the actual payments do not show, unless of course I missed one! I started this mission by contacting Equifax and they were the ones that said I would need to contact the individual companies. I called all three of my credit card companies and asked them to report the payment history as well and while it took a while they all finally understood what I meant and should now be reporting my payment history. If this does not actually end up happening, is this something that I can dispute or am I just stuck with it? The information isn't inaccurate since it just says that my payments are not reported, but at the same time it is. Thoughts would be helpful! Thanks in advance 
Are you seeing this on a full Equifax report, or is this seen in some third party service?
All third parties mangle one of my tradelines, but if I look at a base EQ report it's there. Not sure this is entirely similar as the rest of my tradelines are OK, but verify it on an explicit bureau pull from annualcreditreport.com if you haven't already.
It shouldn't matter as others have said, payment history is basically the abscense of negative information rather than having silly amounts of pretty OK's and that's at the heart of the algorithm, but in particular I don't think payments reported matter at all as reporting by lenders varies a lot and "open, no negatives, updated within last 6 months" presumes you've been making your payments monthly, and that's good enough for FICO to count the tradeline as I understand the implementation.
