When you say that myFICO is showing a total balance of $1100, is that the myFICO Ultimate 3B product? And if so, is that part of some top level interface that summarizes your accounts? I don't know much about that credit monitoring product (many of us don't subscribe to it) but perhaps someone else reading this thread does.
You mention that myFICO is showing a total balance of $1100 but then mention your credit limits. Is this your balance (total amount owed) or your total combined credit limits we are talking about?
One thing to try is to carefully go through each account listed on the 3B report, including closed accounts, and write down what the report says your balance is and credit limit is. Note that this might be different for each of the three bureaus. That may shed some light on what myFICO is doing or saying.
