I defaulted on my $40,000 Earnest loan back in January of 2023. I received mail and calls for ages but at some point they just went away. Today I was looking at my Credit Karma and it showed my open accounts and it said nothing about my Earnest loan. I decided to login to the Earnest website for the first time in ages to find this. What can you make of it? After it goes to collections does it show up on the website as paid? My credit score has been steadily increasing since the bomb of defaulting.