Does ND in my payment history hurt my credit score

[gaktheknife]

I have a bunch of student loans that went from late to ND. Is this good?

[chevyman]

Might mean it went to collection

[beanie7132]

From my understanding ND means no data, I dont think it plays into your score. The lates do for sure. If I am wrong someone please correct me. Chevyman may be correct in that it went to collections. If you are in a position to negotiate it get pulled back, I would do so before the collection reports if it hasnt already.

[chevyman]

That's what happened to mine then garnishment working an the rehabilitation program

[DiabolicallyRandom]

ND stands for No Data.  I believe that have no effect on your score what so ever.  If you have been sending out GW's it may be that they just deleted the lates.

[Crossdivided]

ND= no data

It means simply that, the reporter did not report during that month. I obviously haven't broken the fico model (yet...jk)...but I would have to assume the algorithm would be forced to give the consumer the 'benefit of the doubt'. If not, there would've been lawsuits long before now.

[Shogun]

+1

No data.  Does not affect your score.

[gaktheknife]

sorry For The Confusion. ThEse Are Current Loans That Had Lates On TheM. Now That Those Lates Are Replaced By ND I Should See A Bump? Correct?

[Shogun]

Maybe. Depending on what else is on your CR.