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On all of my credit cards I notice there is a section for "high credit" which appears to list the highest amount I've ever owed on that particular card. Question- does that number affect my credit score even if the amount in the High Credit field is an old balance? I have several accounts that report a zero balance but at one time or another were maxed or near maxed....
@mgs2010 wrote:On all of my credit cards I notice there is a section for "high credit" which appears to list the highest amount I've ever owed on that particular card. Question- does that number affect my credit score even if the amount in the High Credit field is an old balance? I have several accounts that report a zero balance but at one time or another were maxed or near maxed....
No.
It does not affect FICO score. However, if you are buidling credit history, it does show usage which is good (IMO)