how long does it take before mortgage shows in your credit report? (loan, escrow)

[Brom]

i'm subscribed to a credit report that i pay $7/month. i moved to my house oct 1st and paid my 1st mortgage nov 1 but i still dont see any mortgage in my credit report. i already paid 3 months from nov to jan.

i usually see new credit account immediately if it's a credit card, i dont know why mortgage loan takes this long.

[Dreams2Plans]

mine also took about 2 mo or so to show up

[von949]

Mine took almost 3 months to show up. I think it had something to do with my original note being sold a little while after the close of escrow. Not sure.

[Modification Specialist]

Originally Posted by kayleemegn

Generally it takes one month after closing, but it also depends on your mortgage lender. You must ask this question from your mortgage lender. They will definitely let you know about how much time it will take to show mortgage in your credit reports.

Kayleemegn is correct - it actualy cost the lender money to have someone sit there and report on time payments to the credit bureaus.

However if you pay late - reporting default information becomes a priority.

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