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Discussion in 'Credit Talk' started by lena, Mar 18, 2001.
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Re: Loan list as too new to ra
Because I am thinking about taking it out for the next four semester or would it be best to apply for a college loan through federal aid for one semester for a big amount such as 3000. I haven't taken out any loans for school before because so far I have not needed it. My parents have been paying for it all in cash up until now. But since I screwed up my credit during my Fresh & soph year. I am having second thoughts. Maybe I should start with getting loans through the school while I am still there, I got accepted for short term loan in my name and my credit sucks. Checked Equifax I have a score of 471, with 6 charge offs, and 1 good account, and 2 collections but with all this the school let me still get a short term loan. They are listed on my equifax report, I wonder did they check it. And when you apply for federal loans through the government do they view your credit report? I am on the road to rebuilding my credit, First thought is taking out school loans and repaying them over the semester since they will give them too me? Any advice is welcome
Re: Loan list as too new to ra
Check the bottom of your report for Inruiries to see if they checked that report. They may have checked another CRA report and reporting to all three. I am also a student. My score was 675 and I have a five year old Chapter 7. TU is my best report, Equifax, then Experian. I know that the Federally backed student loans are not credit dependant at all. Go to your schools Financial aid office and pickup the FASFA Student guide. Also if your school participates in the direct loan program you never have to deal with a bank. The loot comes directly from the federal goverment to your school and then to you. I myself plan on using student loans to boost my score by paying it off on time. Also it's an installment account.