Okay. They have not all reported yet. I'll make a small purchase on one of them today. I've paid off the installment loan. I hope that won't hurt me.
There are several factors to having a good score. You also need a good mix of credit, which would include retail cards, and it's good to have a real estate loan but obviously not everyone is going to have that. Even though your student loans are in forebearance they are going to negatively affect your score.