So i just finished up a chapter 7 and its been discharged, while checking my credit report I noticed my studen loan shows a balance around $15,000, credit limit of $10,000 and an available balance of (negative) -$5,000. I was curious is this hurting my score and is it something i should dispute, my loan isnt late and the added amount is from interest from the defferments i have had. I just think it has to be hurting my score with a negative available balance or am i wrong? To mean its showing it as an installment loan that i have went over the credit limit on if that makes sense.
