#shorts Does Credit Utilization count in a Pledged Loan? #credit #nfcu #creditcards #navyfederal

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#shorts This is a basic information that not many may be aware especially credit beginners. With the Navy Federal Credit Union Pledged Loan, it is good to note that it is an installment loan. And credit utilization does not include or count utilization on your personal credit profile. But credit cards, which are revolving accounts, are calculated into credit utilization.

In personal credit scoring by the credit bureaus, credit utilization constitutes about 30-35% so it does have a great impact on a credit score.