Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Mortgage
Profile Image

Question By
sissy4259

0 Contributions
0 People Helped
paid for home in full/not on my credit score
I purchased my home from a woman ,owner,of century 21. she held the morgage. i paid off after many years,she got my credit.the loan was in her name. she sent me a thank you letter,wish i had more homes with people like myself.i have my deed,all papers i need. problem,she keeps telling me i need to get some form,she doesnt know what it's called or where to get this form,in order for her to give me the credit i need to show on my credit score. i have been through many city,county,offices, no body knows anything.nobody understands what this form is i need. any help in this matter would be sooo greatly appreciated .i can't even get credit for home improvements.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1884 Contributions
3670 People Helped

Reality Check

Unless she has a "Reporting Account" with the Credit Reporting Agency, there is no way for her to report to them.  Compaies pay an annual fee to belong to the CRA's. Thats how the CRA's make their money.  As far as I know, There is no "Form " that can be filed. I may be wrong on that point, and if someone Else does know, Hopefully they'll speak up and we can both learn something. 

This is the issue with Private loans.  They don't require a credit report in order to give the loan, Thus they do not report the loan or payments either. 

Good luck

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.