All, I have a question about having deferred student loan information on my credit report. Does this hurt my credit score? If so, how could I take them off? One of them is a duplicate record. How do I remove this. Thanks, Gavenraj gsodhi1@cox.net
1. A deferred loan does not hurt your credit report, unless it is listed "too new to rate" or "I-0". You would have to make a payment to get it coded as "paid as agreed" or "I-1". 2. Dispute the duplicate as a duplicate with each CRA. A smart rep would be able to look at it and have the duplicate deleted on the spot.
I have two student loans that are listed as "Too New To Rate" but I have had them since 1998. What should I do with these? About requesting the Student loan to come off because of duplication, should I call them, right a letter, or use the Equifax's online service. Please advise. -Gavenraj
1. To get an I-1 rating, pay on them or ask the servicer to change the rating to "paid as agreed". 2. It is your choice as to how to dispute. I did most of my disputing by telephone. Most people recommend doing it by CC/RR letter (which is admittedly wiser) b/c then you can generate a paper trail if the CRA messes up. Doing it online guarantees that an investigation will get done (no "frivolous" ignoring of disputes this way), but with EQX, you can't say "this is a duplicate".
