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4canyouhelp

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how do i get my credit to show up
i have been paying on my les schwab bill for over a year and a house payment thru a credit union for a year. i thought it would show up by now

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First, only certain types of bills are factored into credit, you need to have credit with a company for that type of account to be considered. Secondly, not all lenders report to the credit bureaus and some lenders may only report to one. See if anything is reported to Experian, if not you may want to refinance the mortgage loan with a lender that does report to all three credit bureaus, but a lot of things must go into a decision like that.

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