有个申请人信用分701, 但好几个closed accounts. Closed accounts 有好多余额

这些余额是student loan payment deferred. 我查了一下，student loan 好像不影响credit score. 1)不知道这个score 可不可靠 2)奇怪为什么有余额还能close account.

是通过Zillow 申请的。