USDA – Credit Lines – Deferred Student Loans: Will USDA allow deferred student loan debts to be counted as a tradeline? NEW MTP™ – USDA – What Counts as a Non-Traditional Tradeline?
Answer: Unfortunately, deferred student loans without 12 months of repayment history are not eligible tradelines to validate credit. Here is what the regulations state⦠Confirm the applicant has at least two eligible tradelines reported to the credit bureau. The tradeline may be open, closed and/or paid in full by the applicant. Eligible tradelines include: Loan [...]