There are two ways to go about this. You could get in touch with your mortgage lender and check they passed your mortgage information on to the credit reference agencies.
If the lender confirms that your mortgage information has been handed over as expected, you could contact the credit reference agency directly. If there’s an underlying problem causing your mortgage to be absent from your credit history, they should be able to help you resolve the issue.
"Missed payments can cause you to miss out on key benefits."
And if you’re someone who meets their mortgage instalments in full and on time each month, this will help you to build a good history of borrowing. In turn, lenders will be more likely to view you as a responsible borrower, which has two useful advantages:
Lenders will be more likely to accept you for larger credit requests.
You will open yourself up to more competitive interest rates.
If you’ve taken out joint credit, details of those individual(s) will appear.
Information on any overdrafts.
Whether or not you are on the electoral register.
Your name, date of birth and current and previous address.
Any crimes relating to fraud.
While most people check their credit history before applying for a mortgage, loan or credit card, it’s a good idea to regularly check it. This way, if you do spot any unexpected errors, you can get them sorted right away.
Discovering there’s an error on your credit history before you apply for credit could delay your application if you have to wait for the mistake to be shifted.
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Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender.