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trix123
Christine,

I have about 42,000 dollars in student loans (showing as Installment accounts on my credit report) that I will have to repay shortly. I will probably consolidate and all loans will be paid. The consolidation company (a subsidiary of sallie mae) does not access my credit report and I don't think they report to the bureaus either. After consolidating, will it improve my credit rating?

Christine
I have NO idea, haven't seen your credit now, how could I tell whether it helps doing the consolidation?

And what makes you think they don't report?