Did something change over the past 18 months or so? If not, mortgages do indeed show up on a credit report, including Equifax. They never used to be posted, but this changed at least several years ago.
AFAIK, a traditional first mortgage (non-HELOC, I mean) doesn't weigh as heavily on the score as other credit items. It tends to be a benefit for consumers as a mortgage is generally the last credit item that someone will pay late or default upon, so simply paying your mortgage would boost your score.
It was about time that this happened, as lenders had trouble discovering if someone already owned and mortgaged another property, and they could just leave it off a credit application.
If something has changed over the past year and a half, and they are no longer listed, then my apologies...
Mortgages started reporting about 2007 and I can confirm recently I pulled a copy of my credit and all my mortgages and credit lines show on my bureau. One thing I learned is rather than set a permanent increase on your mortgage payments ,manually apply them yourself or anyone doing a credit check will assume your obligation is the higher payment.
Not all lenders report mortgage payments to Equifax or Transunion. If you have a line of credit registered against the property then this will show up. It is up to the individual lender whether to report it or not.
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