Established Member
Posts: 27
Registered: ‎01-17-2013
Re: Credit Card debt AND Line of Credit debt...Will my score ever improve?

But if Experian is only one CRA and they use the data, which cannot change, to determine the score, then why would they call my HELOC at nearly 900,000 a revolving debt? And, why would Equifax also call it revolving? Regardless of who provides the report to me, wouldn't the data, and hence how it shows on the report, be the same? It makes no sense since the three CRA's are who they are. They don't display data differently based on who gives me my report. The data all three have do have some differences in how they show, but essentially they differences are display-related. The money owed, balances due, open vs. closed, etc. is all the same for all three CRA's.