I would like to send in my payment history from my mortgage payments to be added to my credit report. My lender does not report, and I was told I could send the payment history to you and get it added.
You cannot report your account payment history directly to Experian. Your lender must report your account payment history in order to comply with federal and state laws.
The Fair Credit Reporting Act (FCRA) does not require lenders to report their account information, although most major lenders do choose to report to at least one of the three national credit reporting companies.
The FCRA does specify what a lender must do if it chooses to report your account information. For example, they must comply with federal requirements for updating information and responding to disputes. For that reason, and others, it's simply not feasible for an individual to report their account payments directly to Experian.
Ask Your Creditor Whether They Report Mortgage Information
Contact your mortgage lender and ask why they have not reported the account to Experian. They might be able to report the information and take the necessary steps to ensure that the account is appearing on your credit report.
A key question to ask when taking out any type of loan is whether the lender reports the information to at least one of the national credit reporting companies. If they do not, it will not help you build a credit history or improve your credit scores.
Thanks for asking.
The "Ask Experian" team