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Established Contributor
Posts: 721
Registered: ‎11-24-2016
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Do credit union cards score less on FICO?

I saw some posts suggesting cc from CU count less than cc from big banks. I couldn't find anything on Google about it.

Starting Score: Ex08-732,Eq08-713,Tu08-717
Current Score:Ex08-765,Eq08-749,Tu08-741
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Senior Contributor
Posts: 7,082
Registered: ‎04-11-2016
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Re: Do credit union cards score less on FICO?

FICO algorithms do not differentiate between the different types of revolvers.  CU, big bank, store card, etc. There was another thread on here recently comparing store cards to bank cards in terms of whether or not one hurt more if it was maxed out compared to the other.  They are all viewed exactly the same though.


I think another common misconception is that the larger the credit limit, the "more" that account is factored into scoring.  For example, one may have a $300 card and a $3000 card (or a $30,000 card for that matter).  Yes, maxing out the higher credit limit card will raise aggregate utilization... but in terms of a single maxed out trade line FICO scores a $300 card the same way it would score a high limit card.  I know that's off topic, but just something for others to consider that may not realize this.

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Re: Do credit union cards score less on FICO?

Subexistence wrote:

I saw some posts suggesting cc from CU count less than cc from big banks. I couldn't find anything on Google about it.

No, it's just as good as a bank.

FICO8 EQ 719 TU 743 EX 716 Total revolving credit 430500

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