The credit bureaus report your score once per month, not every day.

Check Your Credit Report RegularlyObtain free copies of your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) annually.

**Credit Reporting:** Given that the buyer cannot secure a bank loan due to credit issues and it's likely this loan won't be reported to the three major credit bureaus.

Many lenders don’t report to personal bureaus  I can't.

Some lenders report to the credit bureaus for DSCR loans and some don't.

Lower.com, at least for Florida, takes the middle score of the top three credit bureaus.

It could be worth considering a shot at an actual software solution built for DIY landlords (1 - 15 units); one that helps you to automate your own rental process (ie. compared to other tools, one that helps you to actually get it listed on 10+ major listing sites, allows you to schedule showings, provides you with super thorough tenant screening options, online digital leases which can be customized and help you by breaking out those fees, automated maintenance tracking, and fast rent collection which also offers your tenants the ability to report their positive on-time payments to the major credit bureaus; just another positive reinforcement/added incentive to get them to make those payments on time).

Sometimes, when I have credit pulled, it displays some DSCR loans but not others (credit bureaus are a black box), however, the mortgage payments are just reported to the credit bureaus to account for late payments (which plays into conventional financing eligibility), but they do not play into a borrower's personal debt-to-income ratio when qualifying for conventional loans.

The problem is the longer we go paying this payment the farther behind we get on everything else and the lender isn't reporting the payments to the credit bureaus.

Here’s what typically happens when investment loans go 90 days into default1- loan is placed in “non per forming category”2- non payment information sent to credit bureaus, and borrower shows “90 days late”3- Fair Issac credit score drops 150+ points4- credit requests get denied, credit available is at rates 5 points higher than before5- notes are accelerated by lenders6- legal fees are added to principal balance owed7- the lender accelerates the loan8- interest rate is increased from the current Rae to the “default” rate9- late fees are added to the principal balance