Credit Cards Center Credit cards from our partners
Valued Member
Posts: 38
Registered: ‎11-28-2012

More tradelines than allowed?



I had currently 4 tradelines on my DOE collections tradelines (all of which are paid) but theres 3 for each individual loan I took out during my education and then 1 big one with the combined amount, Do you think I would have any luck in getting to remove 1 set of these tradelines? Can they chargeoff to themselves to generate this debt? I didn't owe them double what I paid.

Community Leader<br> Valued Contributor</br>
Community Leader
Valued Contributor
Posts: 1,619
Registered: ‎06-09-2008

Re: More tradelines than allowed?

What does each tradeline show for closed dates and balances?  If the original lines are at $0 and closed, then the other line with the combined balances could be a collection account, or a consolidation, and that would be accurate reporting.  In any case, once you consolidate or the loans go into collections, the old tradelines should show a $0 balance and be marked closed/transferred.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.