I bought a home on December 28 of last year. Yes, I am upset that the interest rates have dropped a whole point since then. Anyway, I was wondering how long it usually takes for the mortgage loan to hit my credit report and to affect my scores. I checked worthknowing last week and it was not there yet. I also checked equifax and experian and the loan was not there yet either. My first paymen was due Feb 1st. Although I mailed it in immediately, it did not come out of my checking account until last week. Thanks in advance Mike G.