EX FICO 2: Not Using Revolving Credit

[SouthJamaica]

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@Revelate wrote:

I don't think Elan is a CU .

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Correct, Elan is not a credit union. It is a credit card issuer for many banks and for Fidelity.

[Anonymous]

Yes gentlemen, I’m aware of that; that’s why I think it would be useless to test it. However, Elan is the payment processor for many CUs and it is the payment processor for one of my CU CCs.

So my CU CC is backed by Elan and the other one is PSCU. So either of mine are going to count and are useless to test. ☹️😔

It’s obvious this is only tied to certain CUs, such as DCU. Who is their payment processor?