Capital wrote:EX723 and TU723. I don't think it's a reporting issue because when I set the loan up, I had to make 'draw requests' to have funds disbursed to my school and I had a 'credit limit' to begin with. I will call the bank tomorrow. Maybe the loan converts to an installment account when I enter repayment in December? I've already graduated and the bank won't let me make any more draw requests.
Great scores, I think it is showing up s "Revolving" but as you said, it isn't really considered that way in your FICO scoring (Such high utilization wouldn't give you a score in the 700s).
Calling the bank is a good idea, but I wouldn't worry. Now that you've graduated and have income, just focus paying them off ASAP. (especially private ones to avoid paying too much interest).