It can be quite frustrating for consumers to discover that a credit card, auto loan or mortgage they've been paying on time for several years doesn't even show up on their credit reports. If this has happened to you, you've probably wondered if there's any way to possibly add the account to your reports so your credit scores can actually benefit from the positive payment history.
Unfortunately, if your lender has chosen to not report your payments to the major credit reporting agencies, there's typically not much you can do about it. It's certainly not free for lenders to report to the bureaus, and in some cases companies simply choose to not go through the all requirements necessary to obtain an account with Experian, Equifax, or TransUnion.
You can always try calling your lender to verify their position and make sure your account hasn't just fallen through the cracks, but there's currently no process for submitting individual account information to any of the major credit reporting agencies. If you're interested in an alternative method to build credit history, you might wish to read more about how you can build credit by simply paying the rent.
