Credit Cards Center Credit cards from our partners
New Member
Posts: 4
Registered: ‎07-04-2008

Utilization question

Hey guys, very new here to the forum. I find it very knowledgeable and entertaining at the same time. I have a question: when you talk about Utilization as part of your FICO score, does it take into consideration all credit cards? major credit cards and department store cards like Best buy and Gap(which are the ones I have) as well? I want to calculate my utilization percentage but didn't know if I have to include the store cards. Thanks for your info....
Established Contributor
Posts: 697
Registered: ‎03-09-2008

Re: Utilization question

My understanding is, anything that is a revolver. If you have a charge account that must be PIF each month, it does not count in utilization.

"No good deed goes unpunished"

There is nothing more simple, nothing more complex than the relationship between Country Boy and Dog.
Moderator Emeritus
Posts: 6,794
Registered: ‎09-29-2007

Re: Utilization question

Welcome to the FICO Forums, xavante.
Contractor is correct.  All revolving accounts are included in utilization, including store cards.
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
Valued Contributor
Posts: 1,126
Registered: ‎03-25-2008

Re: Utilization question

The only revolvers that don't count in your utilization are Charge Cards (like Amex Green, Gold, and Platinum) because they have no reported limit and must be paid in full every month.
The other thing that may be included in revolving utilization is a Line of Credit from your bank or credit union or a Home Equity Line of Credit (HELOC) less than 50k. If you have low balances on your cards but high amounts on these lines your overall utility will be shot. If you have a HELOC above 50k it is scored as an installment loan and impacts your score much less so.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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. 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.