http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724486#M220512 <p>I just got my Fico scores from EQ and TU and I see that the r<span>ratio of my revolving balances to my credit limits is </span><br><strong>130%</strong></p><p><strong> </strong></p><p>Now is that because I have student loans and an auto loan and no credit cards?<br><br>I plan on getting two secure cards from different company with both limits totaling $2000-$2500 and put nothing more then a few bucks on the cards. Will this help that ratio lower?</p><p> </p><p>Thanks!</p> Thu, 29 Nov 2012 23:18:31 GMT randonie 2012-11-29T23:18:31Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724486#M220512 <p>I just got my Fico scores from EQ and TU and I see that the r<span>ratio of my revolving balances to my credit limits is </span><br><strong>130%</strong></p><p><strong> </strong></p><p>Now is that because I have student loans and an auto loan and no credit cards?<br><br>I plan on getting two secure cards from different company with both limits totaling $2000-$2500 and put nothing more then a few bucks on the cards. Will this help that ratio lower?</p><p> </p><p>Thanks!</p> Thu, 29 Nov 2012 23:18:31 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724486#M220512 randonie 2012-11-29T23:18:31Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724568#M220516 <p>You have no credit cards at all? How about some that charged off in the past that are still reporting that way? Something on your report is affecting your utilization and loans do not count.</p> Fri, 30 Nov 2012 00:15:14 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724568#M220516 sphinx313 2012-11-30T00:15:14Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724628#M220520 <p>Yea i had a Military Star Card and a secure card. </p> Fri, 30 Nov 2012 01:01:17 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724628#M220520 randonie 2012-11-30T01:01:17Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724732#M220532 <p>Do these cards still have balances or are they $0?</p> Fri, 30 Nov 2012 02:12:50 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1724732#M220532 sphinx313 2012-11-30T02:12:50Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1725230#M220604 <p>The new cards will help offset your util, however paying off or removing the old charge offs would decrease it greatly.</p> Fri, 30 Nov 2012 07:31:39 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1725230#M220604 Shogun 2012-11-30T07:31:39Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1725362#M220621 <p>Just the Military star card is showing a balance of $0. Also I have a USAA Credit Card thats showing up as late which is news to me. I called the bank and they said I have no account in that standing with them. So how can I get that off my credit?</p> Fri, 30 Nov 2012 13:48:54 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-my-Ratio-of-revolving-accounts/m-p/1725362#M220621 randonie 2012-11-30T13:48:54Z