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Posts: 11
Registered: ‎06-30-2007

What is considered "revolving credit"?

I have a mortgage and a home equity line of credit.  On one of the credit reports, my HELOC is considered revolving credit therefore my credit score is much lower.  On the others, it is not and my score is higher.  Is this a reporting problem?  Can it be resolved?
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007

Re: What is considered "revolving credit"?

[ Edited ]
HELOCs are normally reported as revolving. Other revolving accounts would be credit cards and charge cards. I would ask the lender to report your HELOC as an installment account for all three CRAs.  

Message Edited by Tuscani on 06-30-2007 07:46 PM
Valued Member
Posts: 31
Registered: ‎05-30-2007

Re: What is considered "revolving credit"?

I had a past due utility bill with National Grid and Equifax considered that "revolving" too.

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