Mortgage Company not reporting to Experian...

[Anonymous]

I have a mortgage opened 11 years ago and I realized all they report to Experian is my current balance.

Could my score possibly go up if 11 years worth of current payments were added?

Thanks!

[Anonymous]

They are only reporting your current balance to Experian or they are only reporting to Experian?

If they are reporting to Experian, your past history with them should be reported as well.

[Anonymous]

They are reporting to all 3. But Experian has 'ND' for the payments. TU and EQ have all currents.

[Anonymous]

Does it show the "ND" on reports directly from Experian?

Does it show date open as it should?

Where are you getting this information?

[Anonymous]

Would you mind revealing the name of mortgage company? I have Citimortgage (since 1997) and they have not reported my timely payments for at least 6 months. TU doesn't even have them listed as a creditor. I just called Citi and they "promised" to start reporting this month (12/08). Citi says that it is their policy to report all payments both timely and late to all FOUR CU's. Yes, four. They gave me #4 as Inovis/Innovis.

[Anonymous]

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@Anonymous wrote:

Does it show the "ND" on reports directly from Experian?

Does it show date open as it should?

Where are you getting this information?

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Just got my experian report and it isn't very detailed/pretty. All it says is account open, current, never late. The report from TC shows ND. Maybe I should buy one here at MyFico.

Date open is correct, and the mortage company is Graystone Mortgage.

[Anonymous]

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wcnghj wrote:

Just got my experian report and it isn't very detailed/pretty. All it says is account open, current, never late. The report from TC shows ND. Maybe I should buy one here at MyFico.

Date open is correct, and the mortage company is Graystone Mortgage.

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I would pull a report directly from EX.

You are entitled to a free report every 12 months through www.annualcreditreport.com . If you have already gotten that one, and still have your report #, go to Experian's website and click "review report again" and enter your report number.

If you have gotten your free annual report and don't have the report number anymore, you can get a free one if you've been denied credit recently, are unemployed, and in other cases.

Otherwise, you'll have to purchase it.