Do DSCR loans show on credit report​?

Last updated: December 18, 2025

DSCR loans do not show on your credit report if the borrowing entity is a business entity (i.e. LLC). However, if you receive the DSCR loan in your personal name, then it will most likely appear on your personal credit report because your social security number was used to identify you as the borrower.

In the world of real estate investing, the way a loan is titled and the DSCR lender’s specific reporting policies determine whether that debt appears on your personal credit report.

At OfferMarket, the real estate investors we lend to prefer to hold title in business entity, with nearly 99% of all borrowers electing to use an LLC. Loans to business entities are considered commercial, "business purpose", and are not reported to the personal credit of any of the members of the borrowing entity or personal guarantors on the loan. For more detailed insights, read our article DSCR loan for LLC.

We also offer our borrowers the option to hold title in personal name ("natural person") instead of business entity. In these scenarios, the taxpayer identification number (TIN) associated with the loan is the social security number of the borrower that holds title in their name. Although DSCR loans to personal name are technically considered commercial, "business purpose", the investors to whom we sell these DSCR loans may elect to have their assigned servicer report the loan to Experian, Equifax and Transunion.