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Transfered/Closed Student Loan Accounts

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creditstalker
Frequent Contributor

Transfered/Closed Student Loan Accounts

I have a few student loans that have been transferred to different lending companies, and in the comment section on my report it reflects that the accouts were transfered/closed.

 

Could I have these accounts removed or is it soley up to the lender to remove the accounts?   I feel that It should be removed if another lender is reporting it.  Should I mail a certified letter requesting it be removed,  if so does anyone have sample letters?

 

Will it make a difference on my report?  I'm really trying to make my report clean and lean...straight to the point. 

 

Does anyone know if my score will be impacted good/bad?

 

All advice is appreciated!  Thanks

Current FICO 08 as of 06/01/2015 TU 648 EQ 624 EX 602
FICO Mortgage Scores TU 594 EQ 540 EX 642

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Transfered/Closed Student Loan Accounts

If the accounts are free from derogs you do NOT want them removed. They will add to your AAoA.

Never try to remove positive accounts.

Message 2 of 4
Anonymous
Not applicable

Re: Transfered/Closed Student Loan Accounts


@creditstalker wrote:

 

I'm really trying to make my report clean and lean...straight to the point. 

 

 



"Clean" is good - "Lean" is NOT good. You want a nice FAT file - FAT with with positives, that is.

Message 3 of 4
creditstalker
Frequent Contributor

Re: Transfered/Closed Student Loan Accounts

Oh okay that makes sense :-)  I will leave it alone!  Because it reflects no negative information.

Current FICO 08 as of 06/01/2015 TU 648 EQ 624 EX 602
FICO Mortgage Scores TU 594 EQ 540 EX 642

Message 4 of 4
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