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Put to the test: FICO and past util

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Epic Contributor

Re: Put to the test: FICO and past util


money_talks wrote:

guiness wrote: However, the detailed report is not going to show what your balance was 2 months ago much less 5 years ago.  It only shows the reported balance for the time it was pulled.

 

guiness, I meant the full CR as lenders get them from the CRAs, which apparently is more detailed than those available to the consumer. Based on the response below, it shows up 2 years of balance history and CLs.

 

"Balance history shows on a full CR for two years." Posted by cheddar in

 

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-FICO-care-about-past-util/td-p/16506... 


I did forget about that.  But as mentioned, not all accounts will show that,

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