Credit.com/CK/CS Amex Charge Card Util?

[JHorowitz]

A lot of people say Amex Charge cards don't factor into UTIL.

According to CK, that is true, it is not factored in.

According to Credit.com & CreditSesame, they do indeed factor it in (highest balance is the card's credit limit).

So, does that mean Experian factors in Amex Charge card's UTIL? Or is Credit.com/CS just wrong in that respect?

[takeshi74]

Depends on the scoring algorithm.  FICO does not.

Which pages are you referencing on Credit.com & CS?  This page, for example

http://blog.credit.com/2012/11/does-your-credit-score-care-what-kind-of-credit-card-youre-using/

states:

With the latest FICO credit scoring models, charge cards are not included in credit utilization calculations,

[JHorowitz]

---

@takeshi74 wrote:

Depends on the scoring algorithm.  FICO does not.

Which pages are you referencing on Credit.com & CS?  This page, for example

http://blog.credit.com/2012/11/does-your-credit-score-care-what-kind-of-credit-card-youre-using/

states:

With the latest FICO credit scoring models, charge cards are not included in credit utilization calculations,

---

(Using example numbers) On credit.com, on the main page, it says my total CL is $24248 which is my CL + my highest balance from my Amex charge card. Which makes my UTIL 15%. So it's obvious they included Amex in my UTIL.

On CS my UTIL is exactly also 15%, so I know their UTIL calculation is the same as credit.com

On CK, it states my total CL is $20,000. It seperates my Amex charge card as "open" so my UTIL is listed as 24%, which is correct and exactly how it should be.

Thank you. I know not to pay attention to credit.com and CS's UTIL.

[Walt_K]

As a slight clarification, Amex charge accounts do not count for utilization for FICO except for FICO TU98, which is the version of TU that you get here.