So here is my situation. I have a lot of student loan debt, woohoo. One particular student loan was taken out in my name with my parents are co-signers back in 2007 and again in 2008. Anyway, so I finally graduated last year and started paying everything back. Most of my loans are serviced through Navient and Nelnet. The loans that I mentioned from 2007/2008 were from a separate servicer (not federal student loans, but one offered through the Texas Higher Education coordinating board). My parents had agreed that they would make those payments while I am responsible for all my other student loans on navient and nelnet. So I started paying back my student loans about a year ago. I got a notification on my credit monitoring app that I had a 30 day late added in May of this year. All my nelnet and navient loans were current as I was paying those, but the darn Texas (non federal) loan my parents agreed to pay as marked as 30 days late. I freaked out and realized that my parents fell behind on the payments not realizing it. So I paid the account back to current and have since being making sure that loan is paid on time. My Experian score dropped to about 670 (normally I am around 730-740). All my nelnet and navient accounts report to all three credit bureaus. However this one Texas (non federal) loan only reported to Experian. So my Experian credit score was the only one to drop. I eventually got over it. But then I noticed in August of this year, that the entire account just disappeared from my Experian credit report, so my Experian score shot back up to 735. It’s october now and that account is still not showing on my credit report and am sitting at a 740. When I first noticed the late payment, I did call them to see if they could not report it as late (goodwill request) as long as I paid my past due amount. But they just said there was nothing that could be done, so I just got over it because it was my fault for not keeping track. Anyways, so now I am wondering if this student loan could eventually pop back up and bring my Experian score back down again due to that one 30 day late. Thoughts?
