Need my morgage put back on my credit report..

[Stacy Banks]

Hi, Can anybody help me I need to get my 20 years  old morgage put back on my profile that was delete. I've been calling the  bank that issued the loan and they lost my file. Is it anything that can be  done, it costing me hundreds of thousands of dollars in funding. What do I do? Please help.

[Kevin Sobilo]

@Stacy Banks, I think you need to explain more clearly what is going on here. Your post made it sound simply like a mortgage and its payments were not being reported for your credit report but your post makes it sound like something different. 

As it stands, the post makes no sense to me.

[Stacy Banks]

Hi, My morgage is not reporting on my credit profile.

[Bill B.]

I THINK what Kevin is saying is what I was thinking. 

If you’ve had a mortgage for 20 years and they stopped reporting your payments 6-12-18 or even 24 months ago. You’d still have 18-19.5 years of history. They can’t delete your payment history. 

Nor do I understand how it cost you hundreds of thousands in funding to not have payments recorded. I’m POSITIVE you aren’t saying they are reporting non-payment when you are paying. To prove payments you could simply show your latest statement to the lender denying you hundreds of thousands of dollars. But worst case they should assume you’ve paid it off, helping you. 

In any case reach out to the credit reporting agency in question after requesting your free credit report. It’s all free. 

[Kevin Sobilo]

Quote from @Stacy Banks:

Hi, My morgage is not reporting on my credit profile.

A few things to consider:

1. There are 3 credit bureaus. Maybe they are reporting to 1 or 2 but not all 3. That is not uncommon.

2. What kind of mortgage is this? If its a conventional conforming loan then I believe they should be reporting your payments. If this is a non QM mortgage they may not be required to.

3. Why do you think this is costing you money? Not reporting payments doesn't hurt you unless you have other credit history issues you are trying to overcome.

4. Why do you think they "lost your file"? If they are receiving payments they "have your file" in order to credit your account. I didn't understand what you meant by that.

5. MANY times investors do NOT have their mortgages reporting to their personal credit! They invest through an entity such as an LLC and the mortgages are in the LLC's name so they don't report to the investor's personal credit.

[Stacy Banks]

Im at a 780 credit score , under 10% utilization, 13-14 positive mix tradelines 0- late payments but I cant get into the 800's and its because my old morgage is no longer showing . Thank you so much for your feedback its greatly appreciated. 

[Bill B.]

780 or higher should get you the best rates/terms available, no difference than 820 score. (Some people say 760 or higher.)

Again. They can’t delete your “old mortgage”. Even if they stopped reporting your payments the history would be there. 

You wouldn’t magically have access to hundreds of thousands of more dollars if your credit score was 20 points higher  

TLDR: You aren’t being harmed at all by being 780 instead of 800+. Get a free report from the credit agencies. If you want a second opinion check credit karma, ask your credit card or your bank. Many include them constantly. But there’s no benefit to be gained.