my guess it is taking the open installment accounts (not including mortgage)
taking the total balance/original balance
For me
2 student loans just consolidated 9859
1 auto loan 17088 bal on 30008 loan,
26974/39867 = 67.6% UTL on open installment accounts.
if they included closed accounts in the equation.
Closed /PIF accounts 2 unsecured, 4 auto, 1 Con Finance, 4 SL's,
26974/102013 = 26.4%
this total includes the open accounts.
This gets even scarier when mortages are included.
I say take it with a grain of salt - unlees you can pay the UTL under 50%.