I now understannd why EX hates me thanks to Credit Secure - Heloc is revolving

[fused]

That's it, I'm going to do a hula dance on the luv button right now!!!!!!

[MidnightVoice]

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fused wrote:

That's it, I'm going to do a hula dance on the luv button right now!!!!!!

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Sleigh Center for you, my man! 

[haulingthescoreup]

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@fused wrote:

That's it, I'm going to do a hula dance on the luv button right now!!!!!!

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What, finally going for an F/R, are we?

[fused]

No! I'm just demanding what I feel I'm entitled to without hurting my scores. Amex just told that they will no longer grant CLs > 25K w/o income verification. 100K is their max CL. As far as I'm concerned you can never have to much available credit so long as you manage it well. I'm just following Brammy's siggy that's all.

[MidnightVoice]

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MidnightVoice wrote:

It also said it was happy with all my high CLs.  But I am talking FICO here, not FAKO.  My EX FICO is almost 100 points lower than my EQ and TU FICOs - and there are now two reasons, and I still think they are worth 50 points each 

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Well, the Collection dropped off and I went up 49 points on EX.  So presumably most of the rest is due to the HELOC and high util because of the HELOC.  But the new AMEX Blue should drive that down a little, plus some extra money paying down the HELOC in January

[Red1Blue]

Can you ask EX or the Bank to recode the HELOC?

[MidnightVoice]

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concorduser wrote:

Can you ask EX or the Bank to recode the HELOC?

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I don't know.  Any help from the experts?

[fused]

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MidnightVoice wrote:

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concorduser wrote:

Can you ask EX or the Bank to recode the HELOC?

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I don't know.  Any help from the experts?

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Sure you can ask, but they don't have to.

[Anonymous]

I looked a little deeper with my HELOC on my FICO reports-
Even though they all show the balance in Revolving- FICO is classifing them in the reports

TU-Mortgage on the report Account type: Home Equity Loan
Credit Type:Revolving Account

EQ-Mortgage on the report Credit Type Revolving, comments:
* Home equity
* Line of credit

EX-LOC on the report Account type: Credit Line Secured, Revolving Credit Type: Revolving

[MidnightVoice]

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@Anonymous wrote:
I looked a little deeper with my HELOC on my FICO reports-
Even though they all show the balance in Revolving- FICO is classifing them in the reports

TU-Mortgage on the report Account type: Home Equity Loan
Credit Type:Revolving Account

EQ-Mortgage on the report Credit Type Revolving, comments:
* Home equity
* Line of credit

EX-LOC on the report Account type: Credit Line Secured, Revolving Credit Type: Revolving

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That is pretty much like mine.

but the Amex Creditsecure lists the total balance of revolving accounts, and heloc is in that balance for EX and not the others. So for EX, it is part of my util