Effect of erroneous student loans on FICO?

Anonymous · ‎06-12-2015

I currently have 2 extra student loans on my Equifax report that aren't on my other 2 reports. Their current status is "Pays as agreed" and my report shows them as being in deferment. They also show as having $0 balance. I was wondering what would happen if I dispute these accounts and get them removed. Would my score go up or down? Or would there be no effect at all due to the age of the accounts (last reported in 9/2008)?

Revelate · ‎06-12-2015

@Anonymous wrote:
I currently have 2 extra student loans on my Equifax report that aren't on my other 2 reports. Their current status is "Pays as agreed" and my report shows them as being in deferment. They also show as having $0 balance. I was wondering what would happen if I dispute these accounts and get them removed. Would my score go up or down? Or would there be no effect at all due to the age of the accounts (last reported in 9/2008)?

I'd leave them personally. Quite probably would lose points.

Anonymous · ‎06-13-2015

@Revelate wrote:
@Anonymous wrote:
I currently have 2 extra student loans on my Equifax report that aren't on my other 2 reports. Their current status is "Pays as agreed" and my report shows them as being in deferment. They also show as having $0 balance. I was wondering what would happen if I dispute these accounts and get them removed. Would my score go up or down? Or would there be no effect at all due to the age of the accounts (last reported in 9/2008)?
I'd leave them personally. Quite probably would lose points.

Kinda what I thought. Thanks