07-25-2013 07:45 PM
I checked my TransUnion score... not sure if its FICO or not... but all my student loans show up badly on there even though I am not required to pay on anything... Why is it doing this and how can I fix them?
07-25-2013 07:58 PM
If you got the score from TU it is not a FICO.
As for the SL, what do you mean by badly? Are they showing lates?
Should they be in deferment? If so, you would need to contact your SL provider and have them correct it.
07-25-2013 08:04 PM
Im using the freecreditscore.com website.. i called to cancle them today cause i heard they dont use a real FICO score adn they gave me a 50% off discount plus 3 free scores and reports... so what the heck lol... all my student loans have a big red exlamation mark next to them... they show that I'm making my payemtns correctly (income based contingent plan) with nothing being late... but they still have the big red exlamation mark next to them
07-25-2013 08:12 PM
Does the report give any details as to why?
Have you ever pulled your free reports from annualcreditreport.com? If you haven't I definitely would.
I was reading up on the plan and it states it will NOT impact your credit report so it may be just the way the one from freecredit reports it.
07-25-2013 08:13 PM
I also have stuff showing up from 9 years ago...
If they are positve they can stay for up to 10 years from date closed.
If they are negative, please post the TL so we can look at it.
07-25-2013 08:23 PM
Im trying to post a picture but cant figure it out..... the old one (not student loan) was closed on 01/20/2004
The student loan(s) ... there are multiple loans and all in grace/deferment alll have red exlamation marks for the TransUnion but show up fine for the other two. A few of them look bad on all 3 reports but several only look bad on TransUnion but fine for the other two... they say "Paid or Paying as agreed" and show no late payments... all green bars
07-25-2013 09:47 PM
07-26-2013 07:28 PM
I tried to cut and paste using paint... but it said i am over my limit on characters... ill figure something out
07-26-2013 07:43 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.