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Maverick, Lawyer
Category: Consumer Protection Law
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Experience:  20 years of proefessional experience
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I was a home builder. I had about 20 loans with a bank over

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I was a home builder. I had about 20 loans with a bank over 10 years. They reported to the credit agency only the 2 that went bad. they did not report any of the good ones. Is this legal.
Submitted: 5 years ago.
Category: Consumer Protection Law
Expert:  Maverick replied 5 years ago.

Welcome to Just Answer! My name isXXXXX very much enjoy what I do and I hope that you will benefit from this information.


Were the loans in your personal name or in a corporate name?

Customer: replied 5 years ago.
Personal names. when I ask my loan agent years ago whey they weren't on my credit report. She said because they were commerical loans.
Expert:  Maverick replied 5 years ago.


You can try reporting the loans yourself to the credit bureau and they will then verify the unreported loans with the bank and hopefully help you raise your score.


I am not finding any law that requires the lender to report, but you can send them a certified letter requesting that they report the loans. If you personally signed for the loan, then it is not really a commercial loan.



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