Does overdraft / line of credit account count towards util?

[HoosierSue]

I have a $2000 overdraft protection / line of credit account that was tied to my checking account at my credit union.  I closed the checking account a few months ago & recently paid off the remaining balance on the overdraft account. 

Is the $2K figured into my CC utilization?  Or is that considered a different type of credit altogether?

I'm wondering what the impact will be on my FICO scores if I completely close all my accounts at the CU... right now the overdraft is still open (showing $2K available) and a small savings account.

Thanks!

[Anonymous]

Yes- if it is still open - it is part of your utilization just like a credit card.

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HoosierSue wrote:

I have a $2000 overdraft protection / line of credit account that was tied to my checking account at my credit union.  I closed the checking account a few months ago & recently paid off the remaining balance on the overdraft account. 

Is the $2K figured into my CC utilization?  Or is that considered a different type of credit altogether?

I'm wondering what the impact will be on my FICO scores if I completely close all my accounts at the CU... right now the overdraft is still open (showing $2K available) and a small savings account.

Thanks!

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