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Credit for Retired Loan

What form do I need to report my paid mortgage to the credit reporting agencies?

I bought a home, never a late payment ever. The loan went through my realtor company and payments were made to Century 21 Mortgage. i have the title and all documentation that the home is mine free and clear. I never would have been able to do it with out my two daughters help along the way, over the years. I am disabled, getting worse all the time, unfortunately. I contacted Century 21 Mortgage and was told the woman that carried my mortgage, would be extremely happy to sign any documents needed to receive the credit for paying off my home. What documents do I need ? i have no idea. They told me to do a search on line to see what paperwork or document i needed for her to sign for me to receive the credit on my credit report. If you could help me or direct me in the right direction, I would be very grateful.

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Bill's Answer
(5 Votes) | Find Learn Save

  • Your mortgage payments should have been reported to the credit reporting agencies.
  • If the mortgage was reported accurately, there are no forms to complete.

If I understand your message correctly, you had a mortgage with Century 21 Mortgage. You made all of your payments, retired the loan, and received a title indicating you own your home free and clear. You are asking for a form or document to send to the credit reporting agencies to indicate you paid the loan.

If that is your question, I am not aware of any such document or form. Century 21 Mortgage should have been reporting your consistent, on-time payments since day-one of your mortgage. If, for the sake of argument, Century 21 Mortgage was not reporting your consistent, on-time mortgage payments to Equifax, Experian, and TransUnion, and your mortgage is now retired, then I know of nothing you can do to remedy that situation because the loan has ended.

However, if Century 21 Mortgage dutifully reported all of your mortgage payments accurately to the credit reporting agencies, and your loan is now paid in full, then there is nothing for you or Century 21 Mortgage to report.

Get a copy of your credit report to see if Century 21 Mortgage reported your mortgage payments accurately. The three nationwide consumer reporting companies have set up a Web site, toll-free telephone number, and mailing address through which you can order your free annual report. To order, visit, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print this form. Do not contact the three nationwide consumer reporting companies individually.

Review your credit report. If the information is accurate, then you need do nothing. If your credit report contains false information, dispute the incorrect information.

I hope this information helps you Find. Learn & Save.



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