@Anonymous wrote:
Even if they are closed? The reason I ask is because my utilization on Credit Karma is 21% but myfico utilization is 55%.
Credit Karma's VS3 score doesn't include closed accounts in aging calculations, and it looks like it doesn't include them for utilization either.
Remedios already provided the correct answer, but in case anyone doubts that, here's confirmation from a Vice President of Scores at FICO:
Question (from K-in-Boston):
a.) Can you clarify whether closed revolving credit accounts reporting both a balance and a credit limit are indeed essentially treated the same as open revolving accounts until they reach a $0 balance for the purposes of both individual account and aggregate revolving utilization, particularly for FICO 8?
Answer (from Tom Quinn, VP Scores, FICO):
"If an account is marked as closed but still has a balance reported, that balance information may be considered in balance and utilization characteristics within the score.
For older score versions, HELOC accounts may be considered in the score including in several balance and utilization related characteristics. For newer score versions, HELOC accounts may not factor into balance and utilization." ( Link )
