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curiousmm65

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Mortgage not included in credit report
Spouse filed bankruptcy 2 yrs ago; we've made every payment since then. Nationstar is the servicer and they know about the bankruptcy. Since the mortgage is not on credit report, we don't get credit for having that amount of credit and for making payments. Why is the mortgage not on either of our credit reports? And is it better for our score to have it on the credit report?

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In most cases it is better to have the mortgage on your report.  It is can be a negative if your debt to income is very high, but that is the only reason it is bad and that is if you are appling for a lona.  That aside, you did not mention when you got the mortgage.  over the years I have seen it take upto 6 months before the mortgage shows up on my credit report. For example the last refi I did, it was 3 motnhs before it even showed the old one paid, then about 2 more months (5 total) before the new showed up here in credit karma.

Creditors do NOT have to report to the three credit agenies.  Thay can report if they are members, and may report to only one, two, or all three.  Nation Star seems like a large enough comnpany that they should be reporting, but you never know it might only be to Experian, and credit karma does not give us reports from that agency.

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