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Do collateralized loans impact your credit score? Such as a securities loan collateralized by your stocks, a refinance on your home, a personal loan collateralized by a car, and so on.

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  • A loan can only impact your credit score if the loan company reports everything to a credit bureau. (Otherwise, how do they know about it?) I'd expect a "securities loan collateralized by your stocks to not be reported, but your other examples *to be reported.
    – RonJohn
    Jul 10, 2021 at 16:18
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    For example, a mortgage is a collateralized loan, and it certainly impacts your CS.
    – RonJohn
    Jul 10, 2021 at 16:18
  • Ah so it depends on if the loan company reports it or not, and not if the loan is secured or not. Thanks. Jul 10, 2021 at 17:07
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    Credit scores work differently in different places. Where in the world are you? Please edit, comment or add an appropriate tag.
    – Vicky
    Jul 11, 2021 at 11:49

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