Should mortgage show up on credit file?

maff1980

Should my mortgage show up on my credit file? I am looking to move home soon so thought I would check my credit file was all in order, everything was fine apart from my mortgage which isnt on there is this normal?

I have had the mortgage for over 6 years and made a fair few overpayments in that period I thought this would show up on there?

Thanks

kingstreet

Not necessarily. Some do, some don't.

Have you got a copy of your credit file from all three CRAs?

Wh05apk

Might also be worth checking your address is correct, often flats, or house names can be in a slightly different format, when you search an address it wil only come back on the exact address you entered, so look out for spelling errors, or differring flat numbers.

holly_hobby

Check my file, is a mult agency search engine ... free 30 day trial, simple email to cancel if not reqd after trial period....and should reveal your mortgage account ....

http://www.checkmyfile.com/

Hope this helps

Holly

maff1980

Thanks everyone no I have only used Experian so far so will give checkmyfile a go see if it shows up on there!

kingstreet

Some lenders choose not to share the conduct of your mortgage account with any CRA unless your account is in arrears. Their choice, I'm afraid.

holly_hobby

HBOS (now Lloyds Banking Group), do record payment profile data if thats relevant to the OP.

H