No one wants to have closed accounts, like a student loan, appearing on any credit report. These types of listings can have a negative impact on your credit score. If it was in collections at any time, it might stay on your credit report for 7 years. 

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Your credit score may decrease if your credit report has any suspicious activity or you are a victim of identity theft. Make sure to report any suspicious activity to your banks, lenders, and credit bureaus. 

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