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STUDENT LOAN SERVICER CHANGING

rhopkins1999
New Member

STUDENT LOAN SERVICER CHANGING

Hey guys! I need some direction/help. I've spent the last 2 years rebuilding my credit and getting it where I want, and then I received an email that my student loan servicer was changing. My student loans are my longest accounts and if they were to close it would drop my AAoC from 19 months to 7 months, which would affect my score. My question is when the servicer changes will it affect my AAoC or will the new account with the new servicer be backdated to when they were opened?

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1 REPLY 1
calyx
Super Contributor

Re: STUDENT LOAN SERVICER CHANGING

Have no fear!  They'll be back dated.
On two of my CRAs, changed servicers were on with the ones they changed from, so double the old line aging metrics (EX deleted the closed/transferred line, so less love there).

F8 EQ: 804 | EX: 781 | TU: 782 | Accounts: 2/6 3/12 7/24 | Reporting: AZE10
Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
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