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@RobertEG wrote:
Great suimmary, Hauling. Of particular significance to me is your distinction between a home equity loan as intallment, and a HELOC as revolving. Excellent point to keep in mind when it comes to credt scoring!
Why, thank you! But just to complicate things, if the credit limit on the HELOC is high --probably $40K+; definitely $50K+ --its util is figured as installment, not revolving. So the credit type (for mix) is revolving, but the credit type on a big one (for util) is installment. Simultaneously.