1 year with excellent credit, and still not increase in my score!?!

[guiness56]

You can figure out your utilization including that and then removing it to see if it is in line with what the report says.

If it says it is revolving it probably is and is factored into your utilization.

[wantapgt]

It's simply going to take more time to see the increase in your score. I messed up about 9 years ago when I was in college. Had two accounts go 120days past due and settled both for less than full balance. My FICO hung out around 550 for 2 years, then over the next 5 years it slowly went up to 650. After those baddies fell off last year, my score started going up by 10-15 points a month. It now stands at 743 with no derogatory accounts. Hang in there, your score will start to rise soon and after a certain point it will skyrocket as long as you make the payments and try to keep the balances down. Only thing hurting me right now is my credit util %, which sits at about 35%. I just applied for and for a discover cars with a generous limit, so next few months should take me to about 750-760.

[pakman92]

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@glaucus wrote:

It shows up in the revolving debt category, like a credit card.

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LOC has to be greater than a certain amount to report as a mortgage.  I believe 50K (not 100% sure on the amount).