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Posted in Student Loans
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Question By
Broglesby

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Score Jump After 4 negative accounts status change
I have 4 school loans that are closed in the Negative category that are about to be changed to good standing. They are the only negative items I have on my credit. They were closed Negative in 2012 so I'm not expecting a huge jump but since that's the only negative items and I have 0 late payments in 3 years (only the 2012 default has them at all) and my score is still only 640 when my credit utilization is 0%,, I'd have to think they are the main reason I can't get to 700+. Can anyone guess how much my score will jump with this change? Additional info: Have a 3 year old car loan, 2 credit cards that are 8 months and 2 months respectively and a personal loan that's 2 months old.

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