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If your time share is fully paid off, there no longer exists any credit extended to you. Maintenance fees are NOT examples of credit or loans provided to you. Therefore they should not appear on your credit report. One can fight this and probably win if it is disputed. The credit agency will require the time share to show evidence of the loan instrument or credit agreement you signed as the basis for the credit reporting they are making. [Q=heatherh234] I have pulled my credit report a few times in the last month, and my timeshare payments is nowhere on it. When I purchased it, they told me I would be gaining equity and all the benefits of purchasing a timeshare. Does anyone know why this wouldn't be on my credit report? Is anyone's timeshare on their credit report? Thanks![/Q]