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makemefree

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I am co-borrower on a mortgage loan and a home equity loan, why are they not listed on my credit?

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Are they listed on the other borrower's reports? If so contact the loan company and ask them to report the accounts on your reports as well. If they are not on the other borrower's reports then the lender may not report to the credit bureaus as they are not required to. Don't forget to check your Experian report in addition to the Equifax and Transunion reports that you find here because some lenders may only report to one credit bureau. If your lender does not report to the credit bureaus there is not much that you can do about it, you can request that they do, but many will not due to the cost of doing so. Worst case if you really need your credit lines reported, if possible you could refinance the loan with a lender that does report to all three credit bureaus.

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