Contributor
Posts: 156
Registered: ‎12-02-2012
Consolidated Loans
I have several student loans that I consolidated in 2007-08. The loans are showing as negative on my report even though there were never any lates (in fact they were in grace). How can I get these updated? The remarks show "closed-refinance". Idk what to do.
Starting Scores (2012) - 545-600
Current Scores(3.10.14) - TU 699, EQ 693
Goal Score 700+ (all CRAs)

What's in My Wallet: BOA Cash Rewards 2500 CL, Walmart MasterCard 4000, Discover IT Card CL 1200, Tires Plus Card 1200, Discover Card (AU) CL 4000
(Gardening as of 3/13/14)

Community Leader<br> Valued Contributor</br>
Community Leader
Valued Contributor
Posts: 1,350
Registered: ‎06-09-2008
Re: Consolidated Loans

Where is it telling you that they're negative?  And where did you get your report from?

 

It sounds like they're reporting correctly, the remark you mention is similar to what I have on some of my consolidated SLs and I've never seen them listed as negative.

Contributor
Posts: 156
Registered: ‎12-02-2012
Re: Consolidated Loans
I pulled them the free annual credit report site. All three reports show them as negative accounts.
Starting Scores (2012) - 545-600
Current Scores(3.10.14) - TU 699, EQ 693
Goal Score 700+ (all CRAs)

What's in My Wallet: BOA Cash Rewards 2500 CL, Walmart MasterCard 4000, Discover IT Card CL 1200, Tires Plus Card 1200, Discover Card (AU) CL 4000
(Gardening as of 3/13/14)