Re: Closed Credit Cards with Balances impact on FICO Scoring model.[ Edited ]
11-12-2012 09:14 PM - edited 11-12-2012 09:15 PM
Closed CCs are also included into revolving util provided they report a balance and a CL.
Aside from CCs, revolving util also includes LOCs and HELOCs up to a certain limit, and also includes most CO'd CCs provided they still report a balance.
ETA...if util is a pos. or neg. factor, it'll be listed within pages 2 or 3 of your FICO report.