No, it is factored in because there is a balance not because it is open. Open or closed it would be factored if not paid.
Is this a collection or an OC account?
Normally, only revolving is factored into your utilization.
Yes, I pulled it straight from Transunuion and it has my utilization reporting correctly. I didn't realize that credit karma didn't factor in closed accounts. I guess I should contact my FICO. Thanks for your responses.