When Your Mortgage Doesn’t Show on Your Credit Report — What to Do
Learn why some mortgages don’t appear on Canadian credit reports and what you can do if yours is missing.
Many Canadians are surprised to discover their mortgage isn’t listed on Equifax or TransUnion. Often, this is due to lender reporting practices.
🏦 Why Mortgages Sometimes Don’t Appear
- Smaller lenders may report to only one bureau, or not at all.
- New mortgages may take 30–60 days to show.
- Incorrect personal info can prevent linking.
📉 Does This Hurt Your Credit Score?
- Missing mortgage data reduces your credit mix and history.
- If a lender checks the bureau missing your mortgage, your score could look weaker.
✅ What You Can Do
- Pull reports from both bureaus.
- Confirm reporting practices with your lender.
- File corrections if info is mismatched.
- Balance your file with other credit (cards, LOC).
📌 Takeaway
If your mortgage doesn’t show, don’t panic. Confirm reporting practices and keep other accounts active.
