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Beef71

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Figuring out which mortgage companies report to whom...
In the past three months my best friend and I have both purchased houses. He bought a traditional "home" and I purchase a "modular home" in a "community". Different banks, different rates...same problem. While we can see our hard inquiries for or mortgages...neither of us actually have our loans listed. Has a guide been made as to which banks report to whom and how often? Any help is appreciated. We both have crap credit and paying these huge chunks of money would be even more awesome if it would be reflected when it comes time to buy a car or put new vinyl siding on the houses.

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There are no lists as far as I know. The best thing that you could do is to thoroughly research any lender that you plan to deal with to see how they conduct business and how happy their customers are. Using search engines such as Google or Yahoo should help you find reviews and other info on most lenders. You can also call lenders and ask them if they report to any credit bureaus. Did you check to see if your account is being reported on Experian? Call your lender and ask if they report to any bureaus. If they don't, then you will need to start working to build your credit without the help of this loan and get your credit good enough that you can refinance this loan with a lender that does report to the credit bureaus.

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