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Megamind1

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I have a mortgage ( paid always perfect on time ) but it shows not on my creditreport at all.
How can that happen and is it a good idea trying to fix it or would it have a negative impact on my score?

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Have you checked all three credit scores? Credit Karma is here to teach how credit works but does not show the information from all three credit bureaus.  Read the articles here and check all three reports.  It is also possible the lender does not report to the credit bureaus, which is their choice.

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Having a mortgage reported is a benefit to your mix of accounts.   Having a mortgage reported increased your debt ratio which can a negative impact although increases as you pay.  Use the credit score simulator to see what impact the mortgage would have.    If you want it to be reflected in your report, ask the mortgage company if they are reporting and validate the information.  Perhaps they are reporting and with wrong information its on someone elses account.   Not everyone reports, its not mandatory, its voluntary.   Isn't it interesting that our credit score which impacts us so much is based on people who volunteer to do something.

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