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whatintheworldwereyouthinking

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mortgage loan is not on credit report
mortgage loan for 3 months, does not appear on any credit reports

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Top Contributor
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If you have had the mortgage for 3 months, it has been sufficient time for the item to appear on your credit report.   It is possible that if your loan was already sold from one firm to another the first may not report.   Contact whoever holds your mortgage and inquire if they are indeed reporting.   Some firms do not report to all three bureaus and some do not report at all.  You need to determine the policy of your mortgage company.  if they are reporting find out when they last reported and ensure your informatio is valid with you.  Human error could have resulted in the mortgage not properly reflected on your account because of wrong information.   If the mortgage firm indicates they are filing and your information is correct, file a dispute of its absence with the credit bureau so that the can reverse check and you should start seeing it reported soon after.

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