https://ficoforums.myfico.com/t5/Mortgage-Loans/Another-School-Loan-Consolidation-Question/m-p/73590#M2494 I just submitted my consolidation application with Wells Fargo a couple days ago. I currently have 10 open school loans with them (both unsub and sub loans). When the consolidation goes through, will I only have 2 accounts listed for CR purposes?<BR /><BR />When I missed a couple payments over the years (none in over a year), each account reported a late. Essentially, 1 late payment = 10 late on my CR's. Will those late payments disappear when I consolidate? Since there would now be 2 accounts, would it only show 2 lates? Fri, 28 Sep 2007 06:56:14 GMT newFICOwatcher 2007-09-28T06:56:14Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Another-School-Loan-Consolidation-Question/m-p/73590#M2494 I just submitted my consolidation application with Wells Fargo a couple days ago. I currently have 10 open school loans with them (both unsub and sub loans). When the consolidation goes through, will I only have 2 accounts listed for CR purposes?<BR /><BR />When I missed a couple payments over the years (none in over a year), each account reported a late. Essentially, 1 late payment = 10 late on my CR's. Will those late payments disappear when I consolidate? Since there would now be 2 accounts, would it only show 2 lates? Fri, 28 Sep 2007 06:56:14 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Another-School-Loan-Consolidation-Question/m-p/73590#M2494 newFICOwatcher 2007-09-28T06:56:14Z https://ficoforums.myfico.com/t5/Mortgage-Loans/Another-School-Loan-Consolidation-Question/m-p/73599#M2495 <DIV>My old loans are still on the report as $0 and the lates still show.&nbsp;&nbsp; The new consolidated loans won't show any lates since they are completely seperate from the old loans.</DIV> Fri, 28 Sep 2007 11:41:13 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/Another-School-Loan-Consolidation-Question/m-p/73599#M2495 shawnette 2007-09-28T11:41:13Z