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BabyG67

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Credit Karma vs Equifax Credit Utilization
Why is my Credit Karma credit utilization (Equifax) percentage including a closed account? I checked my Equifax credit report directly and the account on my report is showing "closed" but my Equifax credit utilization is including it. This is causing a "very Poor" grade for my utilization.

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If a closed revolving account has a balance it will impact utilization.  Do not close a revolving account with a balance as it will generally report with 100% utilization.

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