Why isn't the mortgage showing up on my credit report?
Several years ago we made a decision to purchase a house in my spouses pet name only, to get the lowest possible interest rate. Five years subsequent, we refinanced and added my name to the deed simply. Two years later, we contacted the mortgage company and asked if I could placed on the loan. We paid a small payment, forwarded a copy of our marriage license and the notarized document (with all of my personal information (ssn, dob, etc.) stating we be tenants by entirety to the assumption department. My name have been added to the mortgage statement, but it has be a year and half and it is still not showing up on my credit report. I noticed that they hold pulled my credit report several times and when i call they say it's done. Not sure what else to do.
Answers:
You carry the document that put you on the mortgage. Anyone running your credit will know exactly what it is.
Are you checking all three credit bureaus? Sometimes creditors use only one. It should be done inside 1-3 months. You can file a discrepancy with the focused credit bureaus....IE Equifax, Transunion, etc. requesting that they contact the creditor and have it added. You will need to supply the credit bureau near the loan number.
As you know, having a positive entry can raise your evaluation.
Good Luck.
Two reason:
1. They never added it to the LOAN...personally, I have never see in almost 20 years in the business a ridge do this for any reason...even marriage....I intuitively think that someone gave you incorrect information.
2. The ridge you are doing business with doesn't report to all three credit bureaus...they aren't required to report the report to ANY credit bureau.
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Answers:
You carry the document that put you on the mortgage. Anyone running your credit will know exactly what it is.
Are you checking all three credit bureaus? Sometimes creditors use only one. It should be done inside 1-3 months. You can file a discrepancy with the focused credit bureaus....IE Equifax, Transunion, etc. requesting that they contact the creditor and have it added. You will need to supply the credit bureau near the loan number.
As you know, having a positive entry can raise your evaluation.
Good Luck.
Two reason:
1. They never added it to the LOAN...personally, I have never see in almost 20 years in the business a ridge do this for any reason...even marriage....I intuitively think that someone gave you incorrect information.
2. The ridge you are doing business with doesn't report to all three credit bureaus...they aren't required to report the report to ANY credit bureau.
Related Questions: