Salaaam

I don't have the credit limit coverage and no CLI. They said I have a BK (in the letter). Yes, I had that when you gave the card in the 1st place.

I was told by a mortgage broker that they don't look at student loan debt when getting an approval for a mortgage. I have never heard that before. Is there any truth to this statement?

They are not private and yes I do believe that they are blanketed with the IIB. Now that you pointed that out, I see why it is a negative red flag on my transunion. I just wish they would stop updating because it has a $0 balance. Thanks!

I didn't get in responses in the student loan area, so I thought I would move it to this section. On my transunion credit report from Myfico.com, @ 13 of my student loans are reporting a $0 balance but are negivately reporting with yellow flags as late or missed payment. Some of this same accounts are noted a IIB, Here is an example below: Sallie Mae Apr, 2011 Status as of Apr, 2011 Date opened [?] Nov, 2005 Date of last activity [?] Nov, 2010 Account number [?] XXXXXXXXXXXXXX0200 Loan type [?] Student Loan Largest past balance [?] $2,500 Account Type [?] Installment Account Account holder [?] Individual Account Scheduled Payment Amount [?] $0 Industry Banks Descriptions [?] •Chap. 13 bankruptcy Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 0 times Recent payment history [?] 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 2009 2010 2011 Worst Delinquency [?] None Reported How can I get these off my report as of 3/2011 they are still updating but I filed for chapter 13 and converted to chapter 7 BK in 2008 and discharged in 2009. What gives? Thanks in advance for any assistance.

On my transunion credit report from Myfico.com, @ 13 of my student loans are reporting a $0 balance but are negivately reporting with yellow flags as late or missed payment. Some of this same accounts are noted a IIB, Here is an example below: Sallie Mae Apr, 2011 Status as of Apr, 2011 Date opened [?] Nov, 2005 Date of last activity [?] Nov, 2010 Account number [?] XXXXXXXXXXXXXX0200 Loan type [?] Student Loan Largest past balance [?] $2,500 Account Type [?] Installment Account Account holder [?] Individual Account Scheduled Payment Amount [?] $0 Industry Banks Descriptions [?] •Chap. 13 bankruptcy Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 0 times Recent payment history [?] 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 2009 2010 2011 Worst Delinquency [?] None Reported How can I get these off my report as of 3/2011 they are still updating but I filed for chapter 13 and converted to chapter 7 BK in 2008 and discharged in 2009. What gives? Thanks in advance for any assistance.

Mine was paying off and canceling my AMEX at 20 years old, saying I didn't want any credit card debit.

I checked my account, it is still open, but they did a hard pull on 8/24/2010. I'm also wondering why they are doing hard pulls versus soft!

I have about twenty student loans that I would like to consolidate to make them more manageable. My question is will the consolidation help my credit score by minimizing the twenty loans to one although the totals come out to be the same amount? Any information will help.