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Student loan servicer changes: navient to aidvantage

micvite
Frequent Contributor

Student loan servicer changes: navient to aidvantage

Can I get some more confirmation that this change, the new account would backdate to the original opening date for my navient accounts? They're my 2 oldest accounts (2015) and it would be a terrible hit to have 2 new accounts with 0 age hit my credit report... if I have to ill pay them off before that happens because I'm looking to get a mortgage in the next 6-8 months and don't want that to appear on my CR. I was hoping to have them forgiveb but who knows what's gonna happen... it's only 5k so I can cover it easily if I have to.

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
Message 1 of 8
7 REPLIES 7
calyx
Super Contributor

Re: Student loan servicer changes: navient to aidvantage

You'll want to cut the politics out of your post before it gets reported.


But the answer is yes, your transferred loans will have the original open date, not a new one.

F8 EQ: 802 | EX: 779 | TU: 791 | Accounts: 0/6 2/12 6/24 | Reporting: AZE8
Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 2 of 8
micvite
Frequent Contributor

Re: Student loan servicer changes: navient to aidvantage


@calyx wrote:

You'll want to cut the politics out of your post before it gets reported.


But the answer is yes, your transferred loans will have the original open date, not a new one.


Is there anything to reference or personal experience? Just want to make 100% sure since my AAoA is only 3 years old and 2 new accs right now would destroy that haha... 

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
Message 3 of 8
ccquest
Established Contributor

Re: Student loan servicer changes: navient to aidvantage

It's the same debt and promissory note, just a different servicer.
as of 3/24/22
Current Cards:
Message 4 of 8
micvite
Frequent Contributor

Re: Student loan servicer changes: navient to aidvantage


@ccquest wrote:
It's the same debt and promissory note, just a different servicer.

Ah so that's how that works. I thought it was more like when a mortgage switches over because debt was bought or when a credit card servicer changes (one of my moms mortgages from.... I forget who got sold to bofa I believe? And it showed as a completely new account with the remaining balance due, but this was years ago)

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
Message 5 of 8
Adkins
Legendary Contributor

Re: Student loan servicer changes: navient to aidvantage


@micvite wrote:

@calyx wrote:

You'll want to cut the politics out of your post before it gets reported.


But the answer is yes, your transferred loans will have the original open date, not a new one.


Is there anything to reference or personal experience? Just want to make 100% sure since my AAoA is only 3 years old and 2 new accs right now would destroy that haha... 


This is the second time I've had my servicer switched. See my second post in this thread.  

Last HP 06-21-2022



Message 6 of 8
Michelle0395
New Visitor

Re: Student loan servicer changes: navient to aidvantage

HI, I was wondering if it worked out for you or not. My loans have been sold and i too am considering a mortage and a new ava will really hurt at this point. Did they report as a new account or the same date as the orginal loan? Thanks a lot

Message 7 of 8
micvite
Frequent Contributor

Re: Student loan servicer changes: navient to aidvantage


@Michelle0395 wrote:

HI, I was wondering if it worked out for you or not. My loans have been sold and i too am considering a mortage and a new ava will really hurt at this point. Did they report as a new account or the same date as the orginal loan? Thanks a lot


they added aidvantage to the name of the loan lol so now it says student loan navient/aidvantage

Ex: 742, TU: 726, EQ: 733 03/31/2021
Discover it cashback: $7400
Citi DC: $13000
WF Propel: $2000
Amex BCED: $3000
Amex Gold: $NPSL
Amex Plat: NPSL
Cap1 QS: $3200
Cap1 VX $30k
VS CC: $2100
Kohls: $3000
Synchrony car care: $5000
Message 8 of 8
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