https://ficoforums.myfico.com/t5/Student-Loans/Effect-of-Student-loan-on-Credit-Utilization/m-p/310895#M1119 <DIV> <DIV>SL's are installment loans </DIV> <DIV>&nbsp;</DIV> <DIV>The utilization points on installment loans is a very small number of points.&nbsp; Many get some points back when the UTL goes under 100% and a few more at 45%. </DIV> <DIV>&nbsp;</DIV> <DIV>Installment&nbsp;utilization is completly seperate from Revolving utilization . <BR /></DIV> <BLOCKQUOTE> <DIV> <HR /> Hope wrote:<BR /> <DIV>Does a student loan have an effect on&nbsp;credit utilization which helps to determine our credit score? Originally I thought it was only revolving credit but I am not sure.&nbsp; Could someone clear this&nbsp;question up for me?</DIV> <DIV>&nbsp;</DIV> <DIV>Thanks,</DIV> <DIV>&nbsp;</DIV> <DIV>Hope</DIV><BR /> <HR /> </DIV></BLOCKQUOTE> <DIV><BR /></DIV> <DIV></DIV></DIV> Wed, 06 Aug 2008 12:55:05 GMT Anonymous 2008-08-06T12:55:05Z https://ficoforums.myfico.com/t5/Student-Loans/Effect-of-Student-loan-on-Credit-Utilization/m-p/310702#M1118 <DIV>Does a student loan have an effect on&nbsp;credit utilization which helps to determine our credit score? Originally I thought it was only revolving credit but I am not sure.&nbsp; Could someone clear this&nbsp;question up for me?</DIV><DIV>&nbsp;</DIV><DIV>Thanks,</DIV><DIV>&nbsp;</DIV><DIV>Hope</DIV> Wed, 06 Aug 2008 02:58:57 GMT https://ficoforums.myfico.com/t5/Student-Loans/Effect-of-Student-loan-on-Credit-Utilization/m-p/310702#M1118 Hope 2008-08-06T02:58:57Z https://ficoforums.myfico.com/t5/Student-Loans/Effect-of-Student-loan-on-Credit-Utilization/m-p/310895#M1119 <DIV> <DIV>SL's are installment loans </DIV> <DIV>&nbsp;</DIV> <DIV>The utilization points on installment loans is a very small number of points.&nbsp; Many get some points back when the UTL goes under 100% and a few more at 45%. </DIV> <DIV>&nbsp;</DIV> <DIV>Installment&nbsp;utilization is completly seperate from Revolving utilization . <BR /></DIV> <BLOCKQUOTE> <DIV> <HR /> Hope wrote:<BR /> <DIV>Does a student loan have an effect on&nbsp;credit utilization which helps to determine our credit score? Originally I thought it was only revolving credit but I am not sure.&nbsp; Could someone clear this&nbsp;question up for me?</DIV> <DIV>&nbsp;</DIV> <DIV>Thanks,</DIV> <DIV>&nbsp;</DIV> <DIV>Hope</DIV><BR /> <HR /> </DIV></BLOCKQUOTE> <DIV><BR /></DIV> <DIV></DIV></DIV> Wed, 06 Aug 2008 12:55:05 GMT https://ficoforums.myfico.com/t5/Student-Loans/Effect-of-Student-loan-on-Credit-Utilization/m-p/310895#M1119 Anonymous 2008-08-06T12:55:05Z https://ficoforums.myfico.com/t5/Student-Loans/Effect-of-Student-loan-on-Credit-Utilization/m-p/311679#M1129 <DIV>Thanks for the reply Timothy!</DIV><DIV>&nbsp;</DIV><DIV>I appreciate it,</DIV><DIV>&nbsp;</DIV><DIV>Hope</DIV> Thu, 07 Aug 2008 01:48:57 GMT https://ficoforums.myfico.com/t5/Student-Loans/Effect-of-Student-loan-on-Credit-Utilization/m-p/311679#M1129 Hope 2008-08-07T01:48:57Z