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How do I know if an outstanding balance due on a charged off car loan is factoring into my utilization?
Thanks
Installment loans have thier own utilization separate from revolving. Only revolving shows up on your CR AFAIK, and it would not be included in that.
Ok, thanks. So if I were to pay that balance to $0 I wouldn't expect to see a score benefit then, right?
No, installment utilization plays a very small role in your score.
