My wife and I haven't received a score watch alert in over a month. I decided to grab a credit report to see what the heck is going on. It seems my mortgage company is now reporting me. My mortgage never showed up on my report until recently. I had this mortgage for 7 months and it is in good standing.
I am surprised my score never went down this month. It just was flat when it showed this 95 grand mortgage on my report. Score Watch never sent me an alert yet to tell me a new account was added. But it really isn't a "new account".
I should cut the chase and ask my question..
Will my credit score increase slower now that this mortgage is on my report? It was increasing at a rate of 10 points per month.. Or will it increase faster because this is another account I will be making timely payments? It appears my mortgage is not reporting my history for the last 7 months. It appears on my report that the account was established in November of 2006, high balance and current balance. No history.. Should I ask them to report my history?