04-01-2013 07:02 PM
Does util count as from the total amount of credit you have or is it just for one card?
I have $1250 in credit
I owe $276 on that total credit but that is all on one card....how should that report? I just want to know what to expect on the 5th
04-01-2013 07:04 PM
it counts on both levels on Transunion Fico only
04-01-2013 07:08 PM
Equifax only the total UTL of all the cards combine
04-01-2013 07:34 PM - edited 04-01-2013 07:36 PM
04-01-2013 07:49 PM
That is weird - TU cares about the individual cards and the other bureaus don't?
04-01-2013 07:54 PM
I agree with you
I never really got that part since fico uses the info from the bureau and calculate the score so what's the deal with the different calculation on this?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO