While your here, could you look at my thread:
If you have any thoughts, please reply to that thread.
I apologize for the threadjack!!
When I was an AU on DW's sig Visa it reported in the "other" section of my CR's along with my utility accounts. It reported the highest balance as the CL. Although I was never 100% sure, it seemed like it wasn't being used to calculate utility.
That's exactly what I am looking for. If it is not included in calculating, my revolving UTIL will be below 9%. I am not sure either. I may have some idea when my WaMu reports December PFICO. My lender confirmed my MID FICO score is 766, so it might be the reason.
BoA gave me a CLI and my score dropped by 15 points. Little did I know that they changed my World Points with a $12,000 line to a Signature card with an $18,000 line. I hate this credit thing, seems once I think I have something figured out ,it changes! What do I do? Charge a bunch on this card and pay it off? Bet Discover would love that.
Just hashed this out with my accountant. Reviewed all three Credit Reports. EX and EQ reported my utilization at 28%. TU reported at 48%. All three reports had the same credit limits and balances . EX and EQ ignore signature cards when calculating utilization. TU factors Sig cards using the highest balance for credit limit. All reported the Sig card balance for total debt.