federal loan reporting

[score_building]

i have a federal student loan from 1980's for 8k in good standing (remaining balance 2.5k).  it currently reports only on EQ.

according to the billing agent for my school, they are reporting to all three bureaus but i checked TU and EX direct from bureaus and the loan is not reporting and has never reported to those two AFAIK.

i got a letter from campus partners stating they have been reporting the loan to TU and EX to corroborate my dispute if i chose to submit one.  one of the reasons i thought i would want it to be on all three now is because i had a mini app spree this year that tanked my AAoA (from c. 6 down to about 4 years) so i figured this debt reporting from the 80s could help with that a bit, or should i just leave it alone? 

i have enough revolving accts. 10-15 to outweigh the too many accts with balances problem that can arise with multiple installment loans reporting.  also, since the loan will be paid off soon i figure i may as well try to get it reporting on all three b4 it is paid off?

[Anonymous]

If it has a chance of working I would go ahead and do it. The age will help. My remaining SL was reporting on EX only and fell on in January of this year. I never did see the result of the ageoff on my score. The SL was opened in 1971! It had to hurt. Opposite would apply to you!

[score_building]

creditwherecreditisdue wrote:
If it has a chance of working I would go ahead and do it. The age will help. My remaining SL was reporting on EX only and fell on in January of this year. I never did see the result of the ageoff on my score. The SL was opened in 1971! It had to hurt. Opposite would apply to you!

wow '71- what i wouldn't do for a TL like that! lol...well, hopefully you had other aged TL to compensate somewhat when it dropped, did you at least get the 10 full years after it was reported 'closed'?...thanks for the v. helpful rejoinder CWCID par usual.

[Anonymous]

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@score_building wrote:

@Anonymous wrote:
If it has a chance of working I would go ahead and do it. The age will help. My remaining SL was reporting on EX only and fell on in January of this year. I never did see the result of the ageoff on my score. The SL was opened in 1971! It had to hurt. Opposite would apply to you!

wow '71- what i wouldn't do for a TL like that! lol...well, hopefully you had other aged TL to compensate somewhat when it dropped, did you at least get the 10 full years after it was reported 'closed'?...thanks for the v. helpful rejoinder CWCID par usual.

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I went from around 38 years to 10 on oldest accout and of course AAoA took a bath, too. Mitigating the blow was the fact that I am in a "dirty" scoring bucket. If not I would think the punishment would have been worse. As for the score drop I'll never know. EX clammed up before I pulled another score. I didn't look at a CBR for decades (1982 -> 1997) so I have no idea if that SL ever reported anywhere other than EX. Of course EX does the best job of not prematurely "losing" TL's, so it could have. It reported on EX for the full ten years.