I recently got a detailed credit report and I saw something that I'm now wondering about. When I attended university, I took out some loans from two different providers. Both loans were paid off in full, ahead of schedule. One set of loans (the smaller set) shows up on my credit card, as paid off. The other set does not show up at ALL.
My credit score is good (700+) but not amazing (750+). Normally I do not really care about 740 vs 755 because hey, I'm debt free and have plenty of cash, butttttt....I am thinking of buying a house in the next few years and a mortgage probably will be required (though hopefully paid off in a 5-10 year timeframe). Obviously I would like to get the best interest rate possible. This "missing" loan is the largest amount of money I've ever borrowed in my life before (~$15k), and I keep hearing that ability to get and then repay loans is something that can positively impact your credit score. Basically I'm wondering: if that loan were to appear on my credit report, would it bump me up a bit? Is it worth calling up my old loan provider and seeing if this is just an oversight on their part, or standard practice?
I do also still have the documentation showing I paid off the loan so I could definitely bring that into the credit union whenever I got down to actually applying for a mortgage.