Here’s some news that I thought was useful if you live in an HOA/POA. Whether you live in a single family home, a condo or a townhome your Association can now report your payments to all 3 credit bureaus.
You may want to verify if your association is reporting. This could effect your FICO credit score.
Here’s some more information from credit.com:
https://www.credit.com/blog/2016/05/your-hoa-payments-may-now-affect-your-credit-score-143200/