I've been reading the numerous bout in regards to the Macy's card not being factored into your fico score. I'm under the impression it actually does. Though Macy's doesn't report your CL to the CRA the balance is calculated into your relvoving account balance. I just pulled my ficos from both TU and EQ to see where i'm standing at and the only revolving balances that's being calculated is my Macy's acct. Am I tripping or I thought since the CL isn't being showed that the balance wouldn't affect your CR and score? Someone please help me to understand this.
