Moderator Emeritus
Lel
Posts: 5,267
Registered: ‎03-18-2008
Re: 2nd mortgage seen as open credit on Fico score

Can you post the exact reasons given for your score when you pulled your reports?  And just to be certain, those scores were pulled from this site, correct?

 

Are there any negative notations on your credit report?

 

Student loan debt is also installment debt, and would not be used to calculate utilization.  Like other installment debt, the balance on these loans do not have as much of an impact as the balance on credit card debt.