myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Heloc UTI affect on score?

tag
Get Access Now
raisemysc0re
Established Contributor
‎05-05-2020 04:56 PM
‎05-05-2020 04:56 PM

Heloc UTI affect on score?

What affect does a high HELOC uti have on Fico or Vantage scores?

| | | | | | | | | | | | | | | | |
Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):


Message 1 of 2
0 Kudos
1 REPLY 1
thornback
Senior Contributor
‎05-05-2020 06:11 PM
‎05-05-2020 06:11 PM

Re: Heloc UTI affect on score?

They are treated as revolving lines of credit - so believe it would have the effects as high credit card util.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 2
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.