I have a question also, which is slightly related - has anyone ever heard of an unrated UR credit line? I have a reader who says they are negotiating with a creditor on a repo and the creditor has offered to make the credit line show UR. This sounds suspicious to me, and also I am not sure if it will have any effect.
My student loans are unrated. I think that is because they are "too new to rate", meaning that I got them and they were instantly deferred. I haven't made any payments since 9/1999. It still shows as unrated on my TU report and a tri-merged report I got in April. Does that help?