Multiple Loans With Same Lender = Multiple Lates?

[daudi81]

I've got some old 90 day lates with Nelnet, spread across 5 different loans from the same time period.

Is my credit score being affected by essentially 5 90-day lates? Or does it count as 1?

How does that work?

[pizzadude]

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@daudi81 wrote:

I've got some old 90 day lates with Nelnet, spread across 5 different loans from the same time period.

Is my credit score being affected by essentially 5 90-day lates? Or does it count as 1?

How does that work?

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If they're showing as separate tradelines on your reports then its likely that each one has late payments.   Your FICO score would take a hit for each one, but the amount of score damage isn't proportional ~ i.e. subsequents lates likely won't drop your score as much as the first one.