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?