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Momarama

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We had a private mortgage with a family member. Is there any way to get it on our credit report?
When my mother passed away, we knew about what my share would be. My sister agreed to sell us a house she had that was currently empty for $60,000 or less if the portion from Mom's was less. They drew up a balloon mortgage so we could move in and begin renovating it. When Mom's house sold we paid off the balloon payment and were the happy owners of a house valued at about $90,000. But we're unable to get a home improvement loan because it isnt on our credit report and our scores are low. How can we get it on our credit reports?

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Unfortunately you won't be able to get it on your credit report. Individuals, generally, do not have the ability to report info to the credit bureaus as a creditor.  It sounds like you own the home free and clear (no mortgage on it) as you mention "paid off the balloon".  If that is the case, depending on how much money you are trying to get, a local bank or credit union may be willing to take a risk on the home improvement loan.

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