So we are buying a house and we are watching our scores really closely because mine is sub prime and really can use whatever points I can get. My student loans were reporting on 4 separate line items. Nelnet reports student loans in GROUPS of like interest rates. In March, they fell out of forebearance and I neglected to call in time to get them put back in forebearance so they reported late on 4 lines. Since that's rather recent, it's taking a big hit on my score. Of all the credit things I've learned over the last 6 months repairing my credit, THAT one was the biggest lesson and it hurt lol.
Anyway, now I notice that Nelnet has grouped 2 of the lines into one, so it's showing only 3 lines instead of 4. Will that report like that on my credit report? The loan amount stays the same, but now deleting that one tradeline might have a positive impact since it was a negative tradeline? Anyone else have any experience with credit scores increasing when student loans reported less tradelines but same amounts?
