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I have a home loan through my bank. They only report to one CB and I have asked if they would report to the others and they say they only have a contract with one and can't report to the other two. Of course, the credit score of the one they report to is significantly higher. I need to refinance but my average credit score is too low. Is there any way to add this mortgage to my credit report? if not can i get the CB to add something to show this. I have my payment history(perfect for six years)