After reading through the forums more, I'm not sure there's any credit reporting advantage to my trying to wait out a new lender (have been in rehab for a year and a half now). Below is a list of various tradelines showing on my three reports - is there anything I'm losing credit-wise by consolidating instead?
EXPERIAN
FIRST TN BK/EDFNCL SVCS
Status: Transferred,closed/Never late. Deferred, payments begin Dec 2002.
Status Details: This account is scheduled to continue on record until Aug 2011.
Date Opened: 01/2001
Reported Since: 03/2001
Date of Status: 08/2001
Last Reported: 08/2001
Type: Installment
Terms: 120 Months
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: $5,000
High Balance: NA
Recent Balance: NA
Recent Payment: NA
(there's a second TL that's identical, but in the amount of $5,500.)
TN STUDENT ASSISTANCE CO
Status: Account charged off. $10,729 written off.
Status Details: This account is scheduled to continue on record until Oct 2009.
Date Opened: 01/2003
Reported Since: 05/2003
Date of Status: 05/2003
Last Reported: 05/2003
Type: Installment
Terms: NA
Monthly Payment: $0
Responsibility: Individual
Credit Limit/Original Amount: $10,729
High Balance: NA
Recent Balance: $11,317 as of 05/2003
Recent Payment: $0
Account History: Charge Off as of May 2003
TRANSUNION
STUDENT LOANS
Balance: $0
Date Updated: 08/2001
High Balance: $5,500
Past Due: $0
Terms: $50 for 120 months
Pay Status: Paid or Paying as Agreed
Account Type: Installment Account
Responsibility: Individual Account
Date Opened: 01/2001
Date Closed: 08/2001
Loan Type: Student Loan
Remark: Transferred to another lender
(there's a second TL that's almost identical, but in the amount of $5,000.)
EQUIFAX
Edfin Serv
Status as of [?] Feb, 2003
Date opened [?] Jan, 2001
Date of last activity [?] Jan, 2003
Date closed [?] Not Reported
Loan type [?] Not Reported
Largest past balance [?] $5,000
Terms [?] Not Reported
Account Type [?] Installment
Account holder [?] Individual
Scheduled payment amount [?] $0
Descriptions [?]
Student loan assigned to government
No contact information provided by Equifax
Balance [?] Current Status [?] Past Due Amount [?]
$0 Pays account as agreed Not Reported
Seven year payment history [?]
30 days late 0 times
60 days late 0 times
90+ days late 2 times (Dec 2002, Nov 2002)
(another TL nearly identical, but loan amount was $5,500)
First Tnbk
Status as of [?] Aug, 2001
Date opened [?] Jan, 2001
Date of last activity [?] Aug, 2001
Date closed [?] Not Reported
Loan type [?] Not Reported
Largest past balance [?] $5,000
Terms [?] Not Reported
Account Type [?] Installment
Account holder [?] Individual
Scheduled payment amount [?] $35
Descriptions [?]
Account transferred or sold
No contact information provided by Equifax
Balance [?] Current Status [?] Past Due Amount [?]
$0 Pays account as agreed Not Reported
Seven year payment history [?]
30 days late 0 times
60 days late 0 times
90+ days late 0 times
(another TL nearly identical, but for $5,500)
Message Edited by helplessintn on 07-14-2009 02:06 PM
