Good to know. Well, the people who make a credit monitoring tool -- whether Credit Check Total or Credit Works or Credit Karma or Credit.com or myFICO Ultimate or the Discover Scorecard (etc.) -- are a different group of people from those who make the back-end scoring algorithm. Their front-end summary pages organize things in some way they like -- but it doesn't necessarily have anything to do with how the actual scoring algorithm works.
I'll admit to finding the screenshot you show us unhelpful even in terms of how CW's own developers intend it. It's unhelpful because I can't say for sure what they mean. Do they mean to display three non-overlapping categories? If so, then a better wording would be:
Bank-Issued Credit Card Accounts
Other Revolving accounts
Installment loans, including mortgages
As it is having one category called Revolving and another called BICCAs is confusing, since all BICCAs are Revolving.
But regardless whoever the CW developers are, they don't have any special insight into how the FICO algorithms work, which are a trade secret. That's even true about a credit monitoring tool like the mYFICO Ultimate. The people who program up its front end summary are not the same people who develop the secret back end algorithm. That's one of the reasons that the myFICO simulator is often so bad at actually predicting how the true algorithm works.
