Reporting Transfers and Refinances

    Distinguishing internal changes from new tradelines consumers will see.

    Updated 8/14/2025 · 1 min read

    Continuity vs. new credit

    Clearly indicate when an account number changes or a loan is refinanced so consumers and models do not double-count obligations. Use dedicated fields or appendages to maintain lineage.

    Internal refinance

    Close the original account appropriately and start the new one with lineage information to avoid duplicate active obligations.

    Reporting Transfers and Refinances