Consolidate School Loans:

Student Loan Debt Consolidation

false, you still have unpaid debt…..your credit worthiness is generally measured by total debt/total income.

Debt Loan Consolidation:

Consolidating Credit Card Debt

So, let’s rephrase your question to its most basic form. What you are asking is this:

Is it worse to have late or no pays on my credit reports or is it worse to have late or no pays on my credit reports?

When you ask the question in its most basic form, the answer just kind of pops out at you, doesn’t it?

Often times we get so caught up in the details that we forget to get to the root of the problem. In most cases, if you get to the basics, the answer is self evident, such as in this case.

It matters not to the bureaus what kind of debt you have, all they care about is that someone buys your information from them. The root of their situation is, money. As long as someone will pay them to collect your information and someone else will pay them to get your information, they are happy. Remember this when dealing with the bureaus. They are evil. A necessary evil, admittedly, but never forget that they are solely motivated by the dollar and nothing else.

If you have any further questions regarding this or any other credit issue, please feel free to contact me at

Consolidate Student Loan Debt:

Credit Card Debt Management

False they still get counted when a potential lender is calculating how much you can borrow for a car, mortgage or other loan you might try to get beecause they take your income and look at in relation to your total monthly payment obligations, no matter what the source of those obligations might be.