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I just got an alert that my balance on Retail Trade lines has increased by $23 due to my new co-branded Visa reporting. Does FICO treat the co-branded CCs differently than regular bank cards? What about store cards? I know they all are considered in my UTL calculation, but is one more favorable than the other?
National Bank cards (MC/V/AE/Disc) are considered more important and carry more weight by lenders - it doesn't matter if they are co-branded such as Walmart or Old Navy, etc - but I don't think "store cards" such as Walmart or Old Navy or J Crew are treated any different as far as FICO scoring.