Why doesn’t my mortgage show up on any of my credit reports?
I bought a house Nov 2009. I recently checked all three credit reports to see what was on them. Well It shows my one credit card and credit inquiries and such but my Mortgage isn’t on any of them. Why would that be? I mean wouldn’t that probably look better to other potential lenders? To see I have a mortgage and have never made a late payment? My mortgage is through the USDA. It’s a section 502 Direct loan and subsidized through the govt. And I remember reading in the paperwork that they are required to report on my credit. Hmm… maybe they were just required to report if I missed a payment. I dunno. Anyone have any ideas or am I totally wrong on the one.