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Posts: 1
Registered: ‎04-24-2007

A credit report reported one of the reasons for the credi...

A credit report reported one of the reasons for the credit score as:
"Delinquency with credit union." 
Does this impact the score more than being delinquent with other financial institutions and, if so, why? 
I have never seen this reason listed before, and I work for a credit union, so I am curious.
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007

Re: A credit report reported one of the reasons for the credi...

Just guessing, but it could simply be that the CRA makes the distinction in it's reporting because CUs tend to look upon a default against one CU as a sin unto all CUs. Default with one CU, and others will likely not extend you any credit. CU blacklisting.
I daresay not all do it, but I'm sure that some will because a CU "is family, not like those evil banks."
Could be tantamount to the CRA saying, "Awwwwwwwwwwwwwwwwwww, I'm telling."

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