@Anonymous wrote:
How do CCCs judge usage?
Creditors are not all identical so don't assume that one answer applies to every creditor out there.
Additionallly, IMO people rely far too much on usage here on myFICO and other credit sites. Usage may play a small role in some cases but primary factors are credit and income with any creditor and usage will not overrule those nor will it make or break a CLI or APR reduction on its own. A person with poor credit and high usage may not get a CLI while a person with excellent credit and low usage can certainly get CLI's. There is, of course, a whole spectrum of credit profiles in between those two extremes. People seem to tend to look for quicky and easy fixes and simple, assumed causal relationships but all creditors will consider your entire credit profile when determining whether or not to grant a CLI. That's why they use an SP or HP.
A creditor who holds an account can obviously see all activity with that account. A creditor that does not can only go by the data on your reports.
