It doesn't. But when you must the chain of trust you can end up in situations where two different entities claim you open them money. Or you could pay off your

It doesn't. But when you must the chain of trust you can end up in situations where two different entities claim you open them money. Or you could pay off your loan and discover you still don't have a clear title. If the chain of trust is violated then all breasts are off. There is no harm in ensuring that you are the one who benefits as opposed to being hosed if that happens. What do you do when it's literally not possible to determine who owns your debt. That can be an enormous risk for you to take on though no fault of your own. A perfectly valid legal remedy for a court is to force the entities who messed up their record keeping to open the mistake interest of you.