Credit Cards Center Credit cards from our partners
Valued Member
Posts: 45
Registered: ‎04-14-2008

This year's student loans reported

I just pulled all three FICOs; this years loans have reported, giving me a red flag for the amount of accounts with balances.


My revolving utility dropped 2%, I have three cards reporting balances (of 16 that report, I have not yet used the Kohl's I got a few months ago, but will shortly, to keep it from being closed due to inactivity).


So, with these changes, my scores also changed. Up 1 point on TU, down 1 pt on EQ, up 10 pts on EX. Weird.


Two of the new student loans reporting are small unsubsidized ones, I should be able to pay one in full in January and the other over the course of a few months while the rest remain in deferrment. So, if I get these two paid, that drops the number of accounts reporting balances, and if I am able to consolidate the others, shouldn't that get my installment accounts carrying a balance down to one? My total student loan debt is around 21,400 and I will be taking my BSW in May.


I want the MSW, but more debt is scaring me off.

Scores 9/2008: TU-720, EQ-695, EX-678
Scores 10/08/08: TU-721, EQ - 694, EX - 688

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.