M and T not reporting

[mtms]

Ok, my credit score is 590. The only recent things on my credit are a credit card and a truck payment. The truck payment is 2 years old with no lates. The credit card has some late 30 days on it

I have a commercial loan with M and T bank that had a begining balance of over 200000 dollars and now I owe 50000 dollars. I had a previous loan with M and T of over 140000 dollars that I paid off last year. Prior to these to loans I had two other loans totaling 210000 thousand that have been paid in full through me paying them down and then refinancing them into the 140000 loan which is now paid in full. I have never made a late payment on any of these loans as the bank is taking the money directily from my checking account the day after my largest custmer make his direct deposit.

My problem is that M and T has never reported anything to the CRAs. I would think that this much positive crediit would help my score alot . What can I do?? Please help

Update: I just called my loan officer and talked to his assistant. She told me that they will not or do not report commercial loans. Help me somebody.

[chane]

You can ask them to report it. Or if it was a business loan, you can get a D & B account and ask them to report. You'll probably have more success with the latter.

[mtms]

I did ask them to report. they said they do not.
Will a D and B report help my credit score??

[chane]

It wouldn't help your credit scores, but it would help your business credit rating.

[mtms]

I just got off the phone with a credit union that i wanted to go through for the mortagage. I was upfront with them and told them my fico was very low. They siad that they understand that self employed people may have low scores for the reasons I have just talked about and that they will send a request for information out to M and T bank and will take there info into consideration.