Originally Posted by scwam

I agree with you about utilization being what's reported on or around the statement date. However,
I think installments count nothing into utilization. My credit.karma utilization (i know some will discount this, despite it acurately reflecting my balances of all cards on or around the cycle dates), has finally dropped from an average of 2-3% to 0% this month with $8000 car loan still outstanding. My total lines reported are double that.