Jump to content


Vanishing Student Loan?

Recommended Posts

I am flummoxed by something.....I have a credit score around 650 and rising....but I have an old federal student loan out there, and it's decades old....from the late 1990s....it does not show up on my credit report anymore. I do fear it'll rear its head during the home loan process as my wife and I prepare to purchase a home.  That said, I have had my CAIVRS report pulled twice and the loan does not show up on that either.  So.....am I in the clear?  Has the loan somehow just disappeared?  Well, no, it has not because when I go into the federal student loan database to look up my loan, I can pull it up.  But it does not come up in CAIVRS.  Is it possible the loan just wasn't reported to CAIVRS?  Has anyone heard of this? I am just trying to be proactive and head off a problem, on the other hand if letting sleeping dogs lie is the best, I am  fine with that too.....

Share this post

Link to post
Share on other sites

Hi @kevinwill  

I found some info about this and posted it on my thread here: 

It looks like there actually is an incentive to rehab and pay those old student loans even if they have “vanished”. If they are rehabbed and reported as a positive tradeline with the original dates, that may add to your credit age and build longer term positive history to your credit reports. Could improve your credit reports and scores. 



Share this post

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Today's Birthdays

    1. Fallon
      Age: 39
    2. flipper27
      Age: 41
    3. curt62
      Age: 57
  • Member Statistics

    • Total Members
    • Most Online

    Newest Member

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information