QUOTE(ohnoesaz @ Jan 12 2006, 11:35 PM)

If so that means my utilization will be like 300%. or is your SL balance reported as something seperate?
because right now on my EX account I think its being report as a regular balance and is killing my utilization
Installment loans, which are loans like student loans, car loans, mortgages, never count as part of utilization. Only revolving loans, like credit cards, count toward your utilization.
Hope this helps!!