Can a time sharing property be put on my credit file even if it does not appear on there now?

The description or ownership of property is not included in your credit agency reports. But if you are making mortgage payments, your loan and payment history should be there. The history shows how many months late your payments are. If a foreclosure is completed, that fact will also be reported. You might have to look carefully at the reports. The loan should be listed under the name of the lender. It is possible that the loan has been sold to a bank or other institution that you don't recognize. Also, the lender may be reporting to only one or two of the three credit reporting agencies, Experian, TransUnion, and Equifax, so you have to get copies of all three reports.