09-21-2013 07:08 PM
09-21-2013 07:17 PM
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.
09-22-2013 07:53 AM
09-22-2013 08:23 AM
09-22-2013 08:48 AM
09-22-2013 08:55 AM
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.