Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: Closed Credit Cards with Balances impact on FICO Scoring model.
[ Edited ]

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.