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]

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.