Young credit history DP

7 months ago

Mon Jan 29, 2024 7:17 pm

Beefy

Seasoned Rebel

Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 10 days, 20 hours, and 47 minutes Next Level in20 days, 3 hours, and 13 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 20 days, 3 hours, and 13 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 20 days, 3 hours, and 13 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 20 days, 3 hours, and 13 minutes

rryann wrote: ↑Mon Jan 29, 2024 4:10 pm
Jan 2024

EQ TU EX

F8 682 ? 742

F9 ? ? 718

VS3 751 751 ?

I'm AU on a card open since Apr 2017, and I have 2 student loans (one opened 09/22, the other 9/23). The loans are not reporting to Experian. Should I be concerned about that? I'm new to credit, so please let me know any thoughts on my report. Experian images Equifax images

It is possible that loan servicer doesn’t report to Ex or TU or there is a problem with the reporting like the name or wrong or something, there is no way for us to know… have you asked the loan servicer about this?

7 months ago

Mon Jan 29, 2024 9:33 pm

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 47 minutes Next Level in6 days, 3 hours, and 13 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 47 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 47 minutes ago

rryann wrote: ↑Mon Jan 29, 2024 4:10 pm I'm AU on a card open since Apr 2017, and I have 2 student loans (one opened 09/22, the other 9/23).

It looks like that AU card is ignored/discounted at Equifax, so you're being scored there based on loan accounts alone. That discount can happen if you have a different legal address from the card's account owner. Also, it looks like the loans don't have a credit limit value, which I guess is what happens when student loans go into deferment? For loans, that value is the initial amount loaned. On the report, Equifax thinks nothing has been paid down on the loan.

7 months ago

Fri Feb 02, 2024 1:59 pm

rryann

Authorized Rebel

Level1 Last INQThursday, July 11, 2024 Gardening For1 month, 27 days, 20 hours, and 47 minutes Next Level in3 days, 3 hours, and 13 minutes on September 11th INQ 1yr onFriday, July 11, 2025 INQ 1yr in10 months, 3 days, 3 hours, and 13 minutes INQ 2yr onSaturday, July 11, 2026 INQ 2yr in1 year, 10 months, 3 days, 3 hours, and 13 minutes

Beefy wrote: ↑Mon Jan 29, 2024 7:17 pm It is possible that loan servicer doesn’t report to Ex or TU or there is a problem with the reporting like the name or wrong or something, there is no way for us to know… have you asked the loan servicer about this?

I am going to call the servicer today to ask why they are not reporting to EX.