@Anonymous wrote:
Experian is the least sensitive to number of accounts with a balance. You will likely find thresholds at 33% and 50% and 75%, scorecard and bureau depending. I’ll be very interested in knowing the results of your testing.
I don’t think the heloc counts in utilization, but does in revolving activity. @Revelate am I right?
My HELOC is from DCU and those tradelines are just wonky under EX FICO 2.
As a result I have pretty much tossed out my HELOC data for it as I don't know what is HELOC vs DCU... will say though that my HELOC appears to count identical to my DCU revolver both of which are like my 43.5K CSR which does not count for revolving activity but can trigger balance reason codes which seem to be separate or at least different from the FICO 8 revolving utilization metrics as we know it.
I should try to go back and nail down my own line like Cassie did for her file but bleh, working at a Saturday at 4 am in the morning, life just not great right now.
