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myfico and amex???

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afbar1114
Valued Contributor

myfico and amex???

does the score we get on myfico put amex into UTL? the reason why i am asking is because when my amex reported...SW said because i added to my overall UTL

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 1 of 6
5 REPLIES 5
Walt_K
Senior Contributor

Re: myfico and amex???

I thought that the TU score did, but the EQ score did not.  But you are referring to Score Watch, which is the EQ score.  No changes to other accounts?


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 2 of 6
crunching_numbers
Valued Contributor

Re: myfico and amex???

Depends on which Amex (credit or charge). For Amex charges, TU puts it in total credit, but not in UTIL%. For Amex credit, it does go in Util.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 3 of 6
afbar1114
Valued Contributor

Re: myfico and amex???

no changes at all ill see what happens when i pay it. when i pulled my report it said zync was a credit card not charge

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 4 of 6
pizzadude
Credit Mentor

Re: myfico and amex???


@afbar1114 wrote:

no changes at all ill see what happens when i pay it. when i pulled my report it said zync was a credit card not charge


 


Only the TU98 version of FICO includes the balance in utlization.    Perhaps EQ counts it as a card with a balance even though it doesn't include the balance.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 5 of 6
LS2982
Mega Contributor

Re: myfico and amex???


@pizzadude wrote:

@afbar1114 wrote:

no changes at all ill see what happens when i pay it. when i pulled my report it said zync was a credit card not charge


 


Only the TU98 version of FICO includes the balance in utlization.    Perhaps EQ counts it as a card with a balance even though it doesn't include the balance.


+1




EQ FICO 548 3/3/16
Message 6 of 6
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