In 2008 I purchased a home and obtained a mortgage through a local bank, thinking this would boost my credit score since this was my first significant loan. Only to find out months later when I checked my credit that my mortgage payments were not reflected on my report. When I contacted the bank to find out why, they stated that they do not report to credit agencies unless of course it is a bad debt. Recently talked to the bank again to obtain payment history so that I can send it to the credit agencies myself and they mentioned that they would begin reporting in the next few months. Is this legal that they are not reporting this information?