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does have a deferred student loan bring my score down?

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does have a deferred student loan bring my score down?

Trying to rebuild but my score just dropped four points due you student deferred student loan.
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Re: does have a deferred student loan bring my score down?

While rebuilding you'll see some ups and downs.  Don't worry to much about the fluxuation.  Just concentrate on removing the baddies and gaining positive credit.  The scores will follow.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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