Should I see an increase?

[Anonymous]

My student loans went into repayment in April. I have made 3 payments so far. Prior to that, obviously, they were in deferment for 2 years while I earned my Bachelor's. I know the deferment didn't negatively or positively affect my fico scores. But now that they are in repayment, I should start to see my scores creep up month after month while I build that new history?

[laz98]

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@Anonymous wrote:

My student loans went into repayment in April. I have made 3 payments so far. Prior to that, obviously, they were in deferment for 2 years while I earned my Bachelor's. I know the deferment didn't negatively or positively affect my fico scores. But now that they are in repayment, I should start to see my scores creep up month after month while I build that new history?

---

you are building history the whole time they are reporting, whether they are deferred or not! 

being in repayment in & of itself will not help or hurt you.  how you handle your accounts (missing payments, etc.) is what will affect your scores.

[Anonymous]

adding new on time payments (versus no reporting at all) won't affect a score?

[laz98]

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@Anonymous wrote:

adding new on time payments (versus no reporting at all) won't affect a score?

---

your student loans are not reporting anything at all???  i don't know if or how yours report, but mine are deferred right now, & show "paid as agreed" every month.  that is the same as a positive payment history where i'm actually making the payments.  that's why it doesn't change much once you go into repayment, unless you **bleep** up.

[Anonymous]

They do show.

I was under the impression that no payment history reported when in deferment. In deferment put a neutral in the  payment history. Nothing negative, nothing positive. I would have to double check my TU report but I am pretty sure a deferment just puts an x or somethiing for that month. Once repayment starts, it changes to on time payments.

Am I way off base?

[laz98]

i copied this from my EQ report...for some reason, i couldn't get into TU tonight.

SALLIE MAE LSCF

1002 Arthur Dr
Lynn Haven, FL-324441683
 

Account Number:	XXXX	Status:	PAYS AS AGREED
Account Owner:	Individual Account.	High Credit:	$5,000
Type of Account:	Installment	Credit Limit:
Term Duration:		Terms Frequency:	Deferred
Date Opened:	08/2007	Balance:	$5,917
Date Reported:	04/2011	Amount Past Due:	$0
Date of Last Payment:	04/2011	Actual Payment Amount:	$24
Scheduled Payment Amount:		Date of Last Activity:	05/2009
Date Major Delinquency First Reported:		Months Reviewed:	44
Creditor Classification:		Activity Designator:	N/A
Charge Off Amount:		Deferred Payment Start Date:	06/2016
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Education Loan
Date of First Delinquency:	N/A
Comments:	Student loan - payment deferred, Fixed rate

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2011

*

*

*

2010

*

*

*

*

*

*

*

*

*

*

*

*

2009

*

*

*

*

*

*

*

*

*

*

*

*

2008

*

*

*

*

*

*

*

*

*

*

*

*

2007

*

*

*

*

*

according to the payment key, the dopey little * means pays or pays as agreed.  same as if i were making "real" payments.  i hope this helps you.

[Anonymous]

I checked my TU. Dept of Ed/Sallie Mae puts X's (no payment history available) in the payment spots and Nelnet puts 1's for current payments.

Maybe it depends on the lender?

[Anonymous]

On Experian (i just received a copy of my report due to a dispute I submitted) shows no date for Dept of Ed/Sallie Mae and Nelnet.