@Revelate wrote:
@NRB525 wrote:
Charge card with balance yes.
Second mortgage may be considered a HELLC but no draws available for that, it is now on amortization mode.
Huh, any idea what's causing that reason code on TU FICO 4 then? How does the HELOC report actually for you? Mine just looks like a revolving account.
EX FICO 2 is easy, both charge card and HELOC count there... but I don't see it on my current TU FICO 4 but I have a 60D (recent) on that which might push the revolving metric off the reason code. Doesn't seem like EQ FICO 5 cares but I'll see what happens there when I pay down my HELOC.
TU lists the second mortgage as a Mortgage. It is still at very high utilization.
Both EX and EQ list it as a Line of Credit.
