Jay1987 wrote:Do these count against you when scoring as in balance owed, etc?"Your FICO score considers how much you owe on your credit accounts, such as revolving credit accountsand non-mortgage installment loans. Generally, the more you owe on these accounts, the greater risk you pose to lenders. "The only installment loan I have is my car loan. I was under the impression as long as it was paid on time, that the balance wouldn't have a negative impact on my score... Am I wrong with this?