MyFICO TU version charge cards?

[Duncanrr]

Does the version of TU used on this site include charge card balances into UTIL? If so then my first statement my charge card would have 100% UTIL and kill my score?

[llecs]

Yes, the TU FICO on here will score both the balance and the high balance of charge cards. Newer FICO versions ignore the balance and high balance per util calcs. So, if it drops you can rebound next month. When I had my Green, I timed the payments to get the balance to report $0.

[Duncanrr]

Next month will be worse. I've put 7k on the card this month. So ill be good in 6 weeks on third statement.