@Anonymous wrote:
Exactly SJ! That’s exactly my point! I read that every trade line was a CU CC or over 35 grand. Then as soon as Santander showed up on the scene the code went away! If that’s not good evidence that the CU CC’s are not being counted, I don’t know what is!
Well I'm a little skeptical about it, because I have found credit unions and banks to be treated the same.
But I'm keeping an eye on it.
Wouldn't it it be fascinating to learn that credit union accounts might be 'hidden' tradelines for some purposes.
All right @Thomas_Thumb and @Anonymous I went back in my Experian data looking for test days, and found a day when there were 11 reported balances, (a) 10 of which were from credit union accounts and (b) 1 of which was from a bank card with 40k limit.
No reason code for "not using revolving credit".
Back to the drawing board on that theory.
Or perhaps it was lurking but was suppressed by some more powerful reason code.
@Anonymous wrote:
Please list TL, and type of acct for the CU accounts please SJ, if you don’t mind.
14000/30000 cu cc
10000/40000 cu ploc
10000/40000 bank cc
6000/43500 cu cc
3500/13000 cu cc
3000/15000 cu ploc
2700/10000 cu ploc
2600/1000 cu cc
2100/20000 cu cc
1500/20000 cu cc