04-03-2008 06:14 PM
04-04-2008 01:10 PM
04-06-2008 08:26 PM - edited 04-06-2008 08:49 PM
04-06-2008 08:45 PM
04-06-2008 09:06 PM
psychic wrote:fused--You have wonderful balance in your trade lines and varied card issuers. When the Discover Motiva card starts reporting as a 50K credit line, you must let us know how it reports (i.e., revolving, installment, etc.) and is considered in utilization calculations.
04-06-2008 09:08 PM
fused: it seems that your credit profile is better than mine in every respect, yet your scores are lower. I wonder why.
fused wrote:Here are a couple of High Achiever credit files. Interesting, it's my credit history length, average-age of accounts and inqs that have set me back quite a bit with EX. With the first two, there's not much I can do.FICO Scores:EQ: 777EX: 734TU: 792
04-06-2008 09:19 PM
Each CRA is different. I have a $33,300 revolving CL that is not included my TransUnion (and I suspect) Experian utilization calculations. However, this CL is included in my Equifax utilization calculations. We've always been a little "fuzzy" about these cut-off points. I'm just trying to determine each CRA's behavior when it comes to high credit lines.
fused--You have wonderful balance in your trade lines and varied card issuers. When the Discover Motiva card starts reporting as a 50K credit line, you must let us know how it reports (i.e., revolving, installment, etc.) and is considered in utilization calculations.
psychic: I am curious as to why would the Motiva report as "installment". Is there something special about the 50K level?
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