add missing positive accounts credit bureau

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CreditImproving

Joined: 11 Oct 2009
CreditImproving's page
Posts: 1

26 Magic Points

Subject: add missing positive accounts credit bureau

Sun Oct 11, 2009 1:16 pm

I have a bond-for-deed mortgage on my home that is managed by a 3rd party title company, EscroServ. EscroServ deducts my monthly payment and makes the seller's monthly mortgage payment directly to his bank. This is effectively a $165k mortgage that does not appear on my credit report.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3735

10 Magic Points

Mon Oct 12, 2009 1:33 am

You should contact the company, EscroServ or the mortgage company directly and let them know that you would like this positive information reported. You can bet if you were late that they would report it. It should not be a major deal for them to report it for you.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4124

1011 Magic Points

Tue Oct 13, 2009 10:23 am

Credit, This is some really good advice good natured has given you. Something like a mortgage payment can really help build up your credit score since it is a loan that last such a long period of time. the mroe it is paid on the better your credit report will look. The mortgage company may actually want to work with the person actually making the payment. A simple phone call could help both the mortgage company and yourself out.

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