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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
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?
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.
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
@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.
@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