I have a closed account from Credit One. It has a balance of just under what the limit was. On my reports (Credit Check Total, Ck) it shows closed, the balance, and monthly payment. I'm trying to get my utilization down so my scores will finally get over that 600 mark. I'm assuming this closed card is still being factored in but can someone confirm? I've searched the threads and there are various answers to this. My understanding is this card is being counted in util since it is reporting a balance and monthly payment. I'm just confused because making payments on this one hasn't given me as much of a jump compared to my two open Cap One cards.