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sylva45 wrote:Does the fico formula calculate total limit against the total balance ,or it calculates the limits and balances separatly to get the proper ratio utilization?
sylva45 wrote:Does the fico formula calculate total limit against the total balance ,or it calculates the limits and balances separatly to get the proper ratio utilization?Balance to Limit.... or Balance to High Balance if limit is not reported.Also, both individual TL util and overall util is calculated when determining a score.