Just got a denial from walmart, score 403

[kbl7td]

Figured my score was ok based on past pulls. Just got a denial from walmart, pulled TU with a score of 403. I have 1 card with a $300 limit and $200 on it because I just haven't paid it yet this month. Also a $675 chargeoff that I just settled with cap one. 

That cap one card is absolutely killing my scores and efforts at rebuilding. I have got to get that thing off my reports. 

[madmann26]

Yep, the Cap1 card is killing your util.

A general rule of thumb is to never let more than 9% report on any 1 card/account for maximum FICO scoring.

[kbl7td]

According to USAA's little pie chart thing, the cap one card isn't factoring into my utilization. I have no idea if it is accurate but, when my other card is at zero balance it shows me at 100% credit. 

Here are their reasons. 

TOO MANY ACCOUNTS 30 OR MORE DAYS PAST DUE IN LAST 12 MONTHS  HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH  SUM OF CREDIT LIMITS ACROSS ALL OPEN REVOLVING ACCOUNTS TOO LOW  ACCOUNTS IN COLLECTION OR 60 DAYS PAST DUE OR ADVERSE PUBLIC RECORDS

[madmann26]

This is a general summarization,

"HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH"

This is telling me you exceeded your total available credit and there is a balance greater than your total available credit.

If the Cap1 is CO, there is a balance and it's factoring into your util.

[Shogun]

Also I believe the score they gave you was a proprietary score and not your actual score.  Look at the ranges of scores that they list and I bet it's different than FICO.