Consolidating student loans affect credit score smart dating system


16-Sep-2017 07:25

Also, not all debts can be discharged in a bankruptcy. Collection accounts fall off your credit report after seven years.

At that point, the delinquency stops affecting your credit. Your credit suffers tremendously in the meantime, and since you’re still legally obligated to pay the debt, a debt collector can pursue you until the statute of limitations runs out in the state where you live.

So, you would think that student loan consolidation is a no-brainer, right? Qualifications First, there is a short list of requirements that you need to meet to qualify for student loan consolidation.

If you are concerned about your credit scores, you can always check on them with the three major credit reporting agencies.

While a credit score is not considered when applying for Federal student loans, a poor one (below 650) can stop an application for a private student loan dead in its tracks.



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