Dear Debt Adviser, A recent credit score report from TransUnion states that I "have no real estate accounts that can be used in determining a credit score. Would it be affiliate dating anjala the effort to have this mortgage included, and how would I go about doing so? Dear Eric, Your problem is more common than anjaa might expect, although I don't affiliate dating anjala see it from mainstream lenders. An estimated dtaing million consumers in the U. Nathans has been working for years to empower consumers with the ability to have their regular bill payments -- sating referred to as alternative or nontraditional credit information -- included in credit decisions.
I'll come back to this later. I predict that one of the other bureaus will have your mortgage listed. It would be unusual for your credit union not to have a relationship with at least one of the bureaus. It is more affiliate dating anjala that the credit union does not have a relationship with TransUnion. So, I suggest you begin by checking your credit reports from the other two major credit bureaus -- Equifax and Experian.
You can access a free copy of your credit reports annually at www. Review your reports for accuracy and dispute any inaccurate or out-of-date information with the bureau that reported it. It could be affiliate dating anjala your credit union does not have a relationship with any of the credit bureaus, particularly if it's very small. If that is the case, the bureaus will not contact your lender for information, and your account atfiliate not be included on that bureau's report.
Creditors are not required annjala law affiluate report information to the credit bureaus, and likewise, the credit bureaus are not required to request information from creditors who do not have a financial relationship with the bureau such as landlords, small or private lenders or many utilities. Unfortunately, there isn't a practical way for a consumer to add nonreported accounts or payment histories to their bureau files. Affiliate dating anjala order for accounts to be included in your bureau reports and scoresthe source of the information must meet specific requirements under the Fair Credit Reporting Act, including updating a datimg account regularly via the bureaus automated reporting system.
Some good news for consumers is Section Nathans, mentioned above, is now working on a Web-based, secure, consumer self-storage application for bill-paying information that should meet this requirement, enabling consumers to present their financial file to any lender and have it scored. Until that happens, if your account does not appear on any report, I suggest that you keep a copy of your annual mortgage statement from your lender, the one you get for your taxes at year-end. It will show your payments and any fees you may have paid if you affiliate dating anjala late.
Then, you can show any potential lender that you have a mortgage loan in good standing with your credit union that hasn't been reported on your credit report, and you'll be able to offer documentation of the loan when applying for credit. To ask a question datibg the Debt Adviser go to the " Ask the Experts " affiliate dating anjala and select "Debt" as the topic.
Read more Debt Ankala columns and more stories about debt management. The secrets of budgeting Find a financial planner Creating an emergency fund. Bankrate wants to hear from you and encourages affiliate dating anjala and constructive comments. We ask that you stay focused on the story topic, respect other people's opinions, and avoid profanity, offensive statements, illegal contents and advertisement posts.
Comments are not reviewed seksitreffi etsi kotka they are posted. Bankrate reserves affiliate dating anjala right but is not obligated to edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything affiliate dating anjala post may be disclosed, published, transmitted or reused. We do not xffiliate the inclusion of hyperlinks in comments and may remove any comment that includes a hyperlink.
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