Scoring Retail Cards v. Bank Cards

[Revelate]

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@Anonymous wrote:
I know your score will go down if you let one retail card report and 0 bank cards report so make sure you let one bank card report a balance

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I can't test that anymore since I kicked Wally to the curb, but I don't think similar behavior has been reported previously?  Was the card an AU by chance?

[Anonymous]

When I let just my walmart store card report a balance and all my bank cards report 0 my scores drop and when I let one bank card report a balance and my store cards 0 it goes back up so yes FICO does score them different unless I'm the only one

[Revelate]

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@Anonymous wrote:
When I let just my walmart store card report a balance and all my bank cards report 0 my scores drop and when I let one bank card report a balance and my store cards 0 it goes back up so yes FICO does score them different unless I'm the only one

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Huh, that's unexpected; drop on all 3 bureaus on either CCT or MF monitoring?  Which store card or was it multiple different ones that you found?

Anyone with a store card mind testing that?

[Anonymous]

It was bout 15 points or so on all 3 it don't matter what retail card I let report that was on myfico

[disdreamin]

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@Anonymous wrote:
It was bout 15 points or so on all 3 it don't matter what retail card I let report that was on myfico

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I can try to remember to test this later this summer for another data point, unless anyone else is able to do it sooner. Target is my only store card, and I can try letting that report and keep all the others (bankcards) zero'd. Someone please prod me if I forget!

[Anonymous]

Beavis are you certain that there isn't something else impacting your score change... perhaps some other variable that's giving you a false positive on your theory?

IF a store card vs a bank card really did make a difference, I wouldn't think it could be more than a couple of points... certainly not 15 points across the board which is quite significant for something very insignificant.

[Revelate]

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@Anonymous wrote:

Beavis are you certain that there isn't something else impacting your score change... perhaps some other variable that's giving you a false positive on your theory?

IF a store card vs a bank card really did make a difference, I wouldn't think it could be more than a couple of points... certainly not 15 points across the board which is quite significant for something very insignificant.

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Well the theory advanced is that store cards aren't counted similarly, and if it's excluded from number of revolvers reporting a balance (namely number of bankcards reporting a balance?) then it might get the 0 accounts reporting a balance penalty.

Beavis, speaking of which, any chance you could zero out all of your accounts and see the magnitude of the score drop there for comparison purposes?