Establishing Credit

How Can I Add My Good Payment History to My Credit Report?

Dear Experian,

I have for a number of years attempted to correct my credit report to show my current mortgage, which is in good standing. No matter what I do, it never shows up. I am very frustrated. Any suggestions?


Dear JLM,

In order for your mortgage account to be included in your credit history, it must be reported by your lender. If your mortgage account does not appear on your credit report, the first thing you should do is contact your mortgage company and ask them if they report to Experian. As an individual, you cannot submit your own account information to be added to your credit report.

While most major banks and financial institutions do report to the three major credit reporting agencies, the law does not require them to do so. Some lenders may choose to report to only one or two of the three. Others may choose not to report at all.

Contact Your Mortgage Lender and Ask If They Report to Experian

If your lender confirms that they do report to Experian, you can request that they contact their Experian representative for help in determining why the account is not appearing in your report. Ask them to review the identifying information on the account to ensure that the account is being reported under the correct name and Social Security number.

You also can call or write to Experian and explain the situation so that it can be researched. Simply explain that you have an account that is not appearing on your report and that the lender has verified it is being reported.

Unfortunately, if your lender does not report, your account won't be able to be added. When you apply for credit in the future, ask the lender if they report account history to one or more of the national credit reporting companies. If they don't, you might consider applying elsewhere to ensure your positive account payments help you build a strong credit history.

Thanks for asking,
The "Ask Experian" Team