I rushed to consolidate before the deadline as it seemed like the right thing to do until after my loans began to get paid and my # of open to close accounts ratio began to weigh heavier on the closed side. I spent so much time "starting" ove rand now It looks like 50/50 open/close ratio. Plus, I attended different schools, I must have had at least 6 individual loan tradelines reporting.

I have not checked the aftermath with FICO but FAKOs took a dip. Certainly it can be subjective.

Maybe this isn't so big of an issue but I really wish that Master Promissary note you sign is equivalent to a single TL.

I would not base ANYTHING on a FAKO score. They are not REAL scores - that's why they are called FAKO. FAKE-O.

I've paid off several installment loans and never seen any change to my FICO scores.