Oh for crying out loud. I pulled a TransUnion report and FICO's "hurting your score" ding is You've Made Heavy Available Use of Your Revolving Credit. They say my ratio is 49% but I can't see any way this could come out correct even with dumb dumb math.
What's true is that I have a reporting balance of $2419 on an Amex Blue revolver with a CL of $35K. I also have a reporting balance of $95 on an Amex Green which TU persists in wrongly classifying as a revolver. No balances other than that (and, in fact, both balances were PIF'd a couple days before I pulled the report).
There are several other duplicate reportings of two open store cards some of which are wrongly reported as revolvers (with no CLs of course), one closed Cap 1 card, and the Amex Green, but even though some of the others are reporting additional CLs, nothing else has or is reporting a balance.
So where does the 49% come from? Is it just a ridiculous error? If so, shouldn't FICO be more careful with that? And is it really possible that a 49% ratio could match up with a 793 score? Freaky.
