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granny031350 wrote:
Yesterday, the Dept of Education decided to change all of my 4 student loan accounts from "payment deferred" to "derogatory -- included in wage earner plan" which of course they were included in my chapter 13, filed in August of 2005. This also lowered my scores. all my hard work tanked in 1 swoop!My question:Now that they are "derogatory" on my credit report they are now figuring into how many accounts I have as closed accounts. (closed accounts jumped by 4 across the board )This hurts my utilization right? or because of the IIB status, are they not counted by Fico, even though until discharge a balance will show