Frequent Contributor
Posts: 451
Registered: ‎03-05-2013

Please help me fix this

I keep getting this (3 months now) message on my equifax fico report and I don't understand what I'm doing wrong.


You've made heavy use of your available revolving credit.

Ratio of your revolving balances to your credit limits3%
For FICO High Achievers, this ratio is 7%, on average.

Your FICO score evaluates your revolving credit balances in relation to your credit limits on those accounts. In your case, this ratio of balances to credit limits is too high.

Keep this in mind: This credit usage ratio is one of the most important factors to your FICO score, so you should work on paying down your balances. Your FICO score looks at your total ratio of revolving debt, and also your ratio of revolving debt on your individual credit accounts. Therefore, consolidating or moving your debt from one account to another will usually not help your FICO score since the same total amount is owed.


I only use 3% of available credit and I'm not above 10% on any card. What am I doing wrong? Is it because I have an Amex Gold charge card? I know it doesn't show a CL so maybe anytime it has a balance it shows up as maxed out? I can't think of anything else. Does anybody else get this?

Last App December 7, 2013. Gardening until May 20, 2014
Current Score: 720 EX 714 EQ 712 TU 12/10/2013Goal Score: 720 across the board
Senior Contributor
Posts: 3,465
Registered: ‎11-13-2012

Re: Please help me fix this

[ Edited ]
Do you report balances on all your revolving accounts?
Move the mouse over the cards for detailed view!
FICO® EQ 788 (as of today) - TU 777 (01/28).. ¦ ..Fako EX 808 (02/03 - CS)
Vantage score 3.0 TU 788 - EQ 806 (CK 02/03) ................................................bronze spade Garden Club Member

Regular Contributor
Posts: 240
Registered: ‎02-03-2013

Re: Please help me fix this

Looks like a blip in the Matrix to me! (error)


This was with Credit Karma ?  (Or similar)


I wouldn't worry about it if your util is really that low. Lender's don't see those recommendations. :smileyhappy:

Valued Contributor
Posts: 1,467
Registered: ‎01-23-2013

Re: Please help me fix this

I agree, that's just a blip and not something you need to worry about at all.


It's not actually on your credit report (that any lender would see). It's just Equifax, MyFico, and SW trying to "helpfully" analyze your report for your guidance. This is one of several such weird errors that frequently crop up on MyFico reports. Sounds like you're doing great.


Frequent Contributor
Posts: 345
Registered: ‎03-16-2011

Re: Please help me fix this

that looks like the wording that used when you pull from this site. i pretty much ignore it because i had one that said something about my loan balances being too high and high achievers have typically repaid some odd % so i did just that and brought my loan balances down past that % because i was close to what ever % they said, the next pull it just switched the neg factor to balances on non mortage accounts too high and right now i have the same message about ult, my ult was 11% back in may and it says high achievers use 7% or less, i swear at somepoint it used to say 10% so my 11% was listed as You've made heavy use of your available revolving credit. pay on time and you should be good, in my opnion you really only need to worry about ult, if you plan on apping for something then by all means pay down before statement cuts, other wise you will drive yourself crazy playing the fico shell game, and keep in mind the score sold here even though they claim its what is used by lenders, i find it rarely is because most cc's pull other versions or use custom models.  i do believe though the equifax one is the exception though at least when it comes to mortage apps the score on here and mortage lender pull typically match or are very close

Amx BCE-12000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013

Re: Please help me fix this

I get that too, and like most have said i just ignore it :smileywink:

LAST APP: 08/20/2013

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.