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04-07-2008 12:03 AM
04-07-2008 04:02 AM - edited 04-12-2008 10:03 AM
Ok I'll Bite.EQ: 760TU: 745 (Was 761 yesterday, 4/5/08. Mistakenly listed my HELOC as Revolving. I am sure it was a fluke because it has never done that before. I am sure next time I check it it will be fine.)EX: 737 (Lists my HELOC as revolving as well. Has always done this. I disputed the info w/ them so we will see if they update.)
04-07-2008 08:25 AM
04-12-2008 04:51 AM
04-12-2008 06:40 AM - edited 04-12-2008 06:42 AM
04-12-2008 09:54 AM
Gah! --DH's EX hit 800. (The other two have a bogus medical collection. Now that the insurance company has paid, they should soon be history. They are merely 724 and 714.)
I'm so happy for him! I really, really am! Question: can the sound of grinding teeth carry across the internet?
04-12-2008 10:01 AM - edited 04-12-2008 10:05 AM
04-12-2008 03:00 PM
I believe EQ does in fact have the highest cut-off, I believe it's higher than 50K, maybe 60K+.
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?
04-15-2008 07:02 AM