My loans were transfered a dozen times starting 2000 until I consolidated in Dec 2007. Does this hurt my score or is it no biggie? Theyre all report transferred/sold.
Im seeing a few double reportings but reporting good for a year... should I leave it or have the double taken off?
Should I have the ones removed that last reported over 7 years ago and only for 3-4 months and were transfered?
All are in good standing (or were)... its just an annoyance to me to have all these there.
Full Version: Hurting my score??
QUOTE(Bree82 @ May 19 2008, 03:13 PM) 
My loans were transfered a dozen times starting 2000 until I consolidated in Dec 2007. Does this hurt my score or is it no biggie? Theyre all report transferred/sold.
Im seeing a few double reportings but reporting good for a year... should I leave it or have the double taken off?
Should I have the ones removed that last reported over 7 years ago and only for 3-4 months and were transfered?
All are in good standing (or were)... its just an annoyance to me to have all these there.
Im seeing a few double reportings but reporting good for a year... should I leave it or have the double taken off?
Should I have the ones removed that last reported over 7 years ago and only for 3-4 months and were transfered?
All are in good standing (or were)... its just an annoyance to me to have all these there.
Is your debt load being artificially increased?
QUOTE(Bree82 @ May 19 2008, 03:13 PM)
My loans were transfered a dozen times starting 2000 until I consolidated in Dec 2007. Does this hurt my score or is it no biggie? Theyre all report transferred/sold.
Im seeing a few double reportings but reporting good for a year... should I leave it or have the double taken off?
Should I have the ones removed that last reported over 7 years ago and only for 3-4 months and were transfered?
All are in good standing (or were)... its just an annoyance to me to have all these there.
Im seeing a few double reportings but reporting good for a year... should I leave it or have the double taken off?
Should I have the ones removed that last reported over 7 years ago and only for 3-4 months and were transfered?
All are in good standing (or were)... its just an annoyance to me to have all these there.
If they are showing as 0 balance, and you don't have any lates on them, I would keep them.
Having a "thicker" file with more accounts in good standing is always helpful, and also older accounts will help your avg age.
All 0 balances (thanks to clean up I did)
OK, I'll leave it. Thanks!
OK, I'll leave it. Thanks!
QUOTE(Bree82 @ May 20 2008, 11:08 AM)
All 0 balances (thanks to clean up I did)
OK, I'll leave it. Thanks!
OK, I'll leave it. Thanks!
Are they all "good" TLs with no bad info? If none, I can't say you made a bad decision to leave as is.
Theyre all good. They have been in deferrment for years and kept getting transfered. Some TLs only reported for a month or 2. Theyre all closed and some are still showing high balances. Does that matter? (I think no?)
In Dec I consolidated them all into one loan and started making payments in Jan.
In Dec I consolidated them all into one loan and started making payments in Jan.
QUOTE(Bree82 @ May 22 2008, 06:30 AM)
Theyre all good. They have been in deferrment for years and kept getting transfered. Some TLs only reported for a month or 2. Theyre all closed and some are still showing high balances. Does that matter? (I think no?)
In Dec I consolidated them all into one loan and started making payments in Jan.
In Dec I consolidated them all into one loan and started making payments in Jan.
You're right, I believe. It does not matter.
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