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Contributor
queen_britt2003
Posts: 154
Registered: ‎12-02-2012

Consolidated Loans

I have several student loans that I consolidated in 2007-08. The loans are showing as negative on my report even though there were never any lates (in fact they were in grace). How can I get these updated? The remarks show "closed-refinance". Idk what to do.
Starting Scores (2012) - 545-600
Current Scores(3.10.14) - EQ 619 (12.16.13), TU 647 (FAKO - CK), EX 655 (FAKO - CS)
Goal Score 700+ (all CRAs)

What's in My Wallet: BOA Cash Rewards 500 CL, Walmart Store Card CL 1100, Discover IT Card CL 1200, Tires Plus Card 1200, Discover Card (AU) CL 4000
(Gardening as of 3/13/14)

Community Leader<br> Established Contributor</br>
Community Leader
Established Contributor
SCF
Posts: 946
Registered: ‎06-09-2008

Re: Consolidated Loans

Where is it telling you that they're negative?  And where did you get your report from?

 

It sounds like they're reporting correctly, the remark you mention is similar to what I have on some of my consolidated SLs and I've never seen them listed as negative.

Contributor
queen_britt2003
Posts: 154
Registered: ‎12-02-2012

Re: Consolidated Loans

I pulled them the free annual credit report site. All three reports show them as negative accounts.
Starting Scores (2012) - 545-600
Current Scores(3.10.14) - EQ 619 (12.16.13), TU 647 (FAKO - CK), EX 655 (FAKO - CS)
Goal Score 700+ (all CRAs)

What's in My Wallet: BOA Cash Rewards 500 CL, Walmart Store Card CL 1100, Discover IT Card CL 1200, Tires Plus Card 1200, Discover Card (AU) CL 4000
(Gardening as of 3/13/14)


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