How do I Stop Student Loan or Child Support Accounts from Decreasing my Credit Scores?

3 Ways to Improve Your Standing with Government Debts

  1. Set up a valid payment method, regardless of account status. Missing just one payment can have a tremendous impact on your score.
  2. Negotiate payment arrangements and put them in writing. Should there be an issue in the future, you will have proof of the arrangement agreement.
  3. Consider loan consolidation. Combining all loans into a single account may prove to be more manageable.

In most cases, student loan and child support accounts are not able to be removed from credit profiles. Therefore, it’s imperative that you keep them in good standing.