So they track your identity and have credit card on file in case of damage.

Mortgage fraud 

Unless there was some type of fraud in creating the lease.

If  you find fraud, that is another issue and can actually be reported to police. 

If it's a bank or other institutional lender (a company whose business is lending), you should expect they are plugged into the credit bureaus and will report your payment history there.If your lender is a private person, like a friend or family member, or maybe a local person who makes a few loans a year, I would assume they are not plugged into the credit bureaus and the loan won't show up on your credit report.Keep in mind that if you apply for other loans, and they ask you for a schedule of real estate owned and mortgages you're responsible for, and you omit a property and/or private mortgage from that listing, you'll likely have committed fraud by saying that you're submitting complete information about your financial situation but intentionally omitting something.In other words, a loan/property may not show up on your credit report, which means a lender you're applying to for a mortgage may not know about it, but that doesn't mean you're not required in the application process to list it anyway, and it does mean that if you intentionally omit it, you're probably committing fraud or breaking some other law(s).I would assume that the loan could show up on your credit report, and that you will be listing it in future loan applications to institutional lenders, and behave accordingly.

The intent of a Quiet Title action is Not to remove legitimate holders from title.....it is for errors, fraud, verifications of other legal processes (tax sales, etc.). 

The background check failed to mention she was wanted for fraud and theft. 

What you are toying with is called mortgage fraud. 

Seeking recommendations for real estate attorneys experienced with seller disclosure fraud. 

So that made me start researching the minimum requirements for owner-occupancy and penalties like mortgage fraud.