As the other community member stated you need to have them report to the credit bureaus (Note all three of them: Experian, Transunion, and Equifax) since when lenders are considering home mortgages they pull all three credit reports unlike a credit card which may only depend on one of the three credit bureaus to obtain a new card. Note that your credit score for obtaining a credit card is not the same as the one as for a car or other installment loan or a mortgage. A high FICO score on one type of credit is not the same as a high FICO score on the other types of credit. If you take a trial of Experian credit works or another service like that but cancel before the trial is up to avoid a approximately 20 dollar a month fee you can see how all three credit bureaus FICO score not just the averaged FICO score but the specific FICO scores from each credit bureau that are used by creditors that they use when someone apples for a specific credit product: mortgage, a credit card or installment loan (examples include car, personal, student loan). Also, you can get a free copy of all three credit bureau reports and get guidance on how to improve your credit score as well as run multiple scenarios which show the impact to you credit score by bankruptcy, foreclosure, paying late on a (mortgage, installment loan, credit card) or defaulting on a credit card or loan, obtaining a car loan, refinancing a house.
