Adding accounts and consumer statements to CR's?

[Anonymous]

Happy monday everyone!

I pulled my 3 CR's and scores last week and had some unpleaseant surprises. EX and TU aren't even reporting my great standing PIF credit cards, or my federal student loans with perfect records. How do I go about adding accounts onto my CR?

Also, if I can't GW  my late payments off of my student loans, I was thinking about adding a consumer statement that will basically say that I was still in school full time, wasn't aware loans had come into repayments and was immediately granted a deferral based on my full time status. Has anyone ever added a consumer statement? Has it helped or hurt you?

Thank you!

[Anonymous]

call your credit card companies and ask them when they report to all 3 bureaus. Mention you noted they are not reporting and ask them to do so.

I would not add a statement - such statements are there for all to see. Discretion is the better part of valor.

[Anonymous]

Leaving a statement does not help your FICO. You should save that story for the OC. Call them and talk to them about it. Explain what you just said and ask them to remove it.