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Cards at zero/HELOC revisited

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vanillabean
Valued Contributor

Cards at zero/HELOC revisited

With no card balances, is my HELOC $800/$25,000 used for utilization?

EQ 8 no
TU 8 no
EX 8 no

EQ 5 no
TU 4 no
EX 2 yes

 

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Revelate
Moderator Emeritus

Re: Cards at zero/HELOC revisited


@vanillabean wrote:

With no card balances, is my HELOC $800/$25,000 used for utilization?

EQ 8 no
TU 8 no
EX 8 no

EQ 5 no
TU 4 no
EX 2 yes

 


Interesting, I'm running my own test with an Amex charge card in addition to the HELOC, waiting for the Amex to report zip now leaving just the HELOC but EX FICO 3 (which is EQ 5 / TU 4) seems like it might be counting the HELOC, or Amex charge cards are handled differently between FICO 8/9 and FICO 04 which is a possibility too.

 

Appreciate the datapoint!




        
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