Mortgage Transferred...a few months not reporting....

[jascc1]

My mortgage like many others was transferred to another servicer on September 1 2018. I've continued to make payments on time.

I noticed that my Sept, Oct, & Nov months are all showing 'not reporting' from ALL bureau's. I wasn't in a modification or anything like that - it was just a servicing transfer.

Question 1: When a loan is being transferred between lenders, shouldn't the payment reporting during the transition months continue?

Question 2: Does having those "gap" months listed as "not reporting" inadvertently 'hurting' my credit score? I'm sure it won't go DOWN, but if it was reporting ON TIME, would my score and/ report go up even a little and look more favourable?

Thanks for any advice

[Anonymous]

You say that Sept, Oct, and Nov are shown as not reporting? Does that mean that December reported?

The gap doesn't hurt you at all. Nothing reported is assumed to be the same as everything reported fine and scores exactly the same way. And if they reported December, that pretty much verifies to you that everything is on track moving forward.

I've seen a missed month here and there on a couple of my tradelines (missed reporting; not missed payment!). It's fine. And I have one tradeline that only seems to report when they feel like it. Again, no problem.

[jascc1]

Oh Ok - Good to know.   Thanks for your advice and quick reply!

[jascc1]

Sorry - I realized I didn't answer your question.  Yes, December is reporting.

Thanks again.