I recently returned to grad school and have a few loans left over from undergrad (plus a few new ones for grad school) that are all presently in deferral. They were all showing as pays as agreed installment loans until they went into deferral. Now, many of them show "closed" status with a comment, "in deferral" and both equifax and experian say I have no installment loans. Will they just "cease to be" while in deferral and then automagically reappear when I begin repayment? Is that hurting my credit mix (and thus credit score?)?
I'm not going to take out an installment loan even if there is an impact (got a house, a car and the card I wanted, so no urgent need to bump score), but am trying to understand what I am seeing and what will happen at the end of the year when I resume payments.
Thanks
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.