despite my perfect payment record my FICO scores are still less than stellar - ranging between 660 -690. One aspect of my credit report hurting my score is the number of accounts with balances. Four of the 12 accounts with balances are student loans incurred on behalf of my children. Seeing as child number 3 is just a freshman, the number student loan accounts will undoubtedly increase in the future. Another aspect that is hurting me is the average length of my open accounts, which is a very short 2.5 years.
Here is my question . . . would consolidating the 4 student loans into one loan help or hurt my score???
tia