Transfer/Sold studen loans

[dgiik]

I have four student loans that were delinquent 6 years ago. The delinquent accounts were then sold to another lender of whom I eventually paid off.

 

From my understanding transfer/sold accounts are not graded, but I'm unclear as to if the lates still count as lates.

 

I was 120+ lates on the account.

 

For those who had similar lates on old transfer/sold accounts, when you pull your credit reports, are those lates still counted as "missed payments" for FICO scoring?

[Saria]

The loans weren't sold, they were paid by the guarantor. The TLs you're looking at are from the lender. They do count, and the lates do factor into your score. As old as they are though, it's hard to say how much damage they're still doing. Those TLs will be deleted right around 7 years from your default date.