A recent credit score report from Trans Union states that I "have no real estate accounts that can be used in determining a credit score." Yet I do have a mortgage in good standing with a credit union that does not show up on my credit report.
So, I suggest you begin by checking your credit reports from the other two major credit bureaus -- Equifax and Experian.
You can access a free copy of your credit reports annually at Review your reports for accuracy and dispute any inaccurate or out-of-date information with the bureau that reported it.
Should you find that your mortgage does not appear on any of your credit reports from the major credit bureaus, I recommend you contact your credit union and ask what its policy is on reporting mortgage loans.
Reporting your loan may have slipped through the cracks and once the credit union is alerted, it will be a simple matter of sending in the account activity to the bureaus.
It could be that your credit union does not have a relationship with any of the credit bureaus, particularly if it's very small.
If that is the case, the bureaus will not contact your lender for information, and your account will not be included on that bureau's report.
Creditors are not required by law to report information to the credit bureaus, and likewise, the credit bureaus are not required to request information from creditors who do not have a financial relationship with the bureau such as landlords, small or private lenders or many utilities.
Unfortunately, there isn't a practical way for a consumer to add nonreported accounts or payment histories to their bureau files.
In order for accounts to be included in your bureau reports and scores, the source of the information must meet specific requirements under the Fair Credit Reporting Act, including updating a reported account regularly via the bureaus automated reporting system.