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Murph528

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Is mortgage balance included in the proportion of loan balances to loan amounts?

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No. Mortgages, auto loans, personal loans, and student loans are all installment loans and are not included with revolving accounts (credit cards, store lines of credit) for your utilization score.

Mortgage equity lines of credit work a bit like a revolving account, but are handled differently and also do not impact your credit card utilization score.

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