How do I get this information added to my credit report

I read your online article and I have a question for you. Below is the information you asked me to forward to you.

-My Mortgage Company
-They've had the account for 26 months
-26 payments made on time
-All of my credit scores are 475

I tried to refinance my mortgage 8 months ago and I noticed that it was not being reflected on any of my credit reports (Trans Union, Experian and Equifax). I filed online disputes with all of them and they said it was my mortgage company's responsibility to forward them my payment history. I followed up with my morgage company and they sent me a letter saying I was current and forwarded me a copy of my payment history. I sent this information to all of the Bureaus and they said the information was not being reflected on my credit reports. I escalated to my mortgage company and they confirmed my name, social security number and address. More importantly, they said they send this information electronically every month to all of the bureaus. How do I get this information added to my credit report with Trans Union, Equifax and Experian when my mortgage company is providing them with the approporiate information and it's not showing up on my credit reports and is not being reflected in my credit score?
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Im not sure. I do know that a 475 reflects some serious credit issues other than the mortgage compny reporting deal. 475 is about as low as it gets without being dead.
If the compnay reported; it may raise your score but probably not up to an
acceptable level for LOW rate refi's
I would venture a guess that
1. your name and social are not on the account like maybe the account is in your parents name or something
2. the company is not reporting as they say. We need some more investigation as to why the report does not reflect payments made if a company says they report.
3. the social number is incorrect

Suggestions:
Call the bureaus and ask how this info can be manually reported and how much it will cost. Call the mortgage compnay and find out more information. Something is missing
on this question. I do not know what it is.
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