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Affects of new mtg on fico, how soon?


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I bought a home in July this year. The mtg servicer has begun reporting but the reporting appears to be late, I have already made 5 payments but they oly report 1 so far.

What will the impact of a mortgage be on my fico scores? I have a rather "thin" file. Only 1 credit card in use and student loans both paid as agreed never late.

Can I expect to see an increase in my scores with a mtg?

I have a Bk 7 from 8/2001 (3 years 4 months old) so any increase would be helpful

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