Scoring factor of Closed CC accounts

[Paphijohn]

If a CC account with a balance is closed due to being enrolled into a hardship or DMP program, does FICO factor the balance when calculating a score for any of the 3 CRA?  Equifax for example will move the account to the closed category and though the balance will report, it is not a factor in the DTCR.  Is this the same when calculating FICO scores?

Thanks for any and all responses.

John

[pizzadude]

Yes, closed accounts are included in FICO revolving utilization if both the balance and credit limit are reported.

[Paphijohn]

So, only if both the credit limit and the balance are reported then the balance is considered a factor when determining credit score. This then brings up another question, what if only the balance is being reported, is the balance a factor or not?  BTW...thanks for your response.

[pizzadude]

If the balance is reported and the credit limit is zero then the balance is excluded from FICO revolving utilization.

[Paphijohn]

Thanks for making it crystal clear.