If they eventually do report, it should only add the last 7 years payment history so it should have a positive impact on your credit scores. You can request them to report but they are not obligated to, they just need to report accurately if they choose to report. Are your mortgages with a small bank or CU? If so, I've found some of those choose not to report to the credit bureaus unless there is delinquent payment history (so they punish for missing a payment, but don't reward for on time payments) but each creditor is different. If the mortgages are with a private/hard money lender then it's doubtful they'll ever report, as often those types of lenders don't have the capacity to do so. Lastly, reporting to the credit bureaus costs the creditor money, so that may be another reason why your mortgage company has chosen not to report.
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