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Does Line of Credit impact Util?

New Contributor

Does Line of Credit impact Util?

Hi all,

 

im considering PCing to a Visa Signature card and want to make sure I have all my ducks in a row beforehand. Curious if  Lines of Credit are **bleep**

 

my current utilization is 7% and I have a $10k LOC that is unused so want to make sure it is used to **bleep** visa Siggy will no longer report with a limit.

 

thanks


Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden