Posts Tagged ‘ student ’

Charged off student loans still in credit report after being paid in full

Dear Experian, I have three student loans from about 12 years ago that where charged off. I paid them off in full two years ago, yet they are still reporting on my credit report. They are being reported as paid in full; however, next to that it lists a loan amount and still shows a balance. The loan amount would be the original amount borrowed, but there must be a mistake since it shows a balance even though it states paid in full. Is this affecting my credit score? Should I get a letter stating paid in full from the lender and send it in to you? - MKD

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Being removed as a cosigner from children’s student loans

Dear Experian, I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like to remove my name as co-signer. Will this increase my credit score, and will it decrease their credit scores? - PBK

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Establishing credit before going to college

Dear Experian, I am a 19 year old college student trying to establish credit early, and it would be helpful throughout college to have a low limit credit card just in case. Also, I am trying to get a car loan, and I know I need to use credit to gain credit. I applied for a credit card through my bank and was declined. I also applied for a student credit card and was declined again. How am I supposed to establish a credit history if I can’t get approved for anything? My parents are just starting to rebuild their credit themselves. Is there any way that I can establish credit without having to have somebody cosign for me? - FCS

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Student loans may appear in credit report while in deferment

Dear Experian, How long does it take after student loans are out of deferment for them to show up on a credit report? - LSM

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Student loan will appear on cosigner’s credit report as well as the student’s

Dear Experian, If I cosigned for a student loan, will the loan balance show on my credit report, or it will only show on the student’s credit report? - CSY

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How consolidated student loans will appear in your credit report

Dear Experian, I recently consolidated my student loans with one vendor, but all my other accounts still appear on my credit report. It says it has been transferred, but I would like to know if I can remove those accounts from my report since they are counting as open installment loans. -SCB

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