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Same Student Loan with Multiple Trade Lines?

Regular Contributor

Re: Same Student Loan with Multiple Trade Lines?

Beginning of 2013
Amex Delta Gold- $1000 Discover IT- $1000 JetBlue World Mastercard- $1500 Costco Citi- $3000 Capital One QS- $750 Capital One QS 1- $500 Capital One GM- $500 Care Credit-$3000 Merrick Bank- $1000 Paypal Credit- $500 Amazon Prime Store Card- $1200

1/10/18 Fico 8 EQ 643 TU 665 EX 654
INQ EQ 6 TU 10 EX 11 Utilization EQ 28% TU 29% EX 30% Gardening For All of 2018
Message 11 of 15
Community Leader
Senior Contributor

Re: Same Student Loan with Multiple Trade Lines?

I see.  Well, you won't be seeing them fall off in the next 24 months.  But if you have had perfect payment history on all your accounts for 3+ years you might try seeing what you can accomplish with Goodwill Letters.

 

I'm a little doubtful that there's much more you can do, since you really did have many separate loans, they really did appear on your reports for years as many accounts, and then much later you really were late on payments for them.

 

If someone with more experience in derogs wants to chime in I would certainly defer to them.

Message 12 of 15
Regular Contributor

Re: Same Student Loan with Multiple Trade Lines?

Just wanted to update. I tired the 609 Credit repair method and I was able get all those tradelines deleted with Equifax. All I have is the one student loan that consolidated everything. Score went up 36 points. Going to try Transunion next.
Amex Delta Gold- $1000 Discover IT- $1000 JetBlue World Mastercard- $1500 Costco Citi- $3000 Capital One QS- $750 Capital One QS 1- $500 Capital One GM- $500 Care Credit-$3000 Merrick Bank- $1000 Paypal Credit- $500 Amazon Prime Store Card- $1200

1/10/18 Fico 8 EQ 643 TU 665 EX 654
INQ EQ 6 TU 10 EX 11 Utilization EQ 28% TU 29% EX 30% Gardening For All of 2018
Message 13 of 15
Highlighted
Valued Member

Re: Same Student Loan with Multiple Trade Lines?

I'm fairly new, so please excuse my lack of knowledge. But what is a 609 credit repair method?

Message 14 of 15
Regular Contributor

Re: Same Student Loan with Multiple Trade Lines?

Check your inbox.

Amex Delta Gold- $1000 Discover IT- $1000 JetBlue World Mastercard- $1500 Costco Citi- $3000 Capital One QS- $750 Capital One QS 1- $500 Capital One GM- $500 Care Credit-$3000 Merrick Bank- $1000 Paypal Credit- $500 Amazon Prime Store Card- $1200

1/10/18 Fico 8 EQ 643 TU 665 EX 654
INQ EQ 6 TU 10 EX 11 Utilization EQ 28% TU 29% EX 30% Gardening For All of 2018
Message 15 of 15