Revolving Utilization Question (Home Equity R1)

[Focker69]

Hello all,

Hope I'm posting this in the right section, my apologies if I am not.

One very quick question, if I had an R-1 Home Equity account that was a Revolving account, is this account factored into my Revolving Utilization % for Fico Classic 04, Fair Isaac V2 and Beacon 5 (typical mortgage scoring formulas)?

I recently closed one out and reduced the balance and it has not transferred over to an installment account and i'm just curious if that will affect my utilization %. Any input would be greatly appreciated.

[guiness56]

If it is reporting as revolving, reports the CL and balance, it is factored into all versions.

When it starts reporting as installment, it will not.