Reporting Transfers and Refinances
Distinguishing internal changes from new tradelines consumers will see.
Updated 8/14/2025 · 1 min read
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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.
Last updated
8/14/2025