Is this affecting my UTIL?

[ndkblondie]

The top of my credit report says this:

PAYMENTS:	$438.00 Transunion	$86.00  Experian	$1238.00  Equifax

but my actual payments are only $86/month, Experian is correct and the other two are wayyy off.  Is this affecting my util and score and where are these other payment numbers coming from?

Confused... I went through my cr and EQ lists payments on a lot of tradelines but their balances are 0, I'm not sure where these are coming from.

Thank you for any insight.  

[guiness56]

Are these reports from FICO?

If the balances are 0 I wouldn't worry about it.  The creditors can list a payment amount but it isn't calculated into any score.

[ndkblondie]

They are from My Privacy Matters daily report and scores service.  Thanks for clarifying, I won't worry about the payments on accounts that show a 0 balance.

What about this... an old account that I am an authorized user on is showing a very low limit but a very high "high balance".  This had a good credit history, no lates, and helps extend the length of credit history (account is from 1993)  but wasn't sure if this crazy high balance is hurting me.

CHASE	TransUnion	Experian	Equifax
Account #:	52227630****		52227630****
Condition:	Open		Open
Balance:	$0		$0
Type:	Credit Card		Credit Card
Pay Status:	Current		Current

Past Due:	$0		$0
High Balance:	$11635		$0
Terms:	0		0
Limit:	$500		$500
Payment:	$0		$10
Opened:	02/23/1993		02/01/1993
Reported:	04/24/2008		04/01/2008
Responsibility:	Authorized User		Authorized User

[guiness56]

No, that is the highest balance ever held on the account and does not factor into your score.