Reply
Valued Member
Posts: 36
Registered: ‎10-16-2013
0

Where on my fico cr's can I see the utilization percent?

Also if my Utl was at zero on all 3 reports (because I had no credit )and now just applied for and approved for 3 cc's will this hurt or help my score?
Frequent Contributor
Posts: 391
Registered: ‎10-02-2012
0

Re: Where on my fico cr's can I see the utilization percent?

You may have to do the easy math. $debt divided by $credit lines= utilization, look for the placement of the decimal. Ex  $10,000 debt divided by $100,000 credit lines= 10% utilization.

Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($20k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($35k) Starwood Preferred Guest AmEx ($2k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k) Wells Fargo Visa ($3k)
Highlighted
Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
0

Re: Where on my fico cr's can I see the utilization percent?

Your actual report from the CB isn't going to have a section where it states your UTL - you'll have to figure it out yourself. But that's really not hard to do - just add up your total available CL on your revolving accounts and your total reporting balances. OTOH, reports from Credit Karma, Credit Sesame or ScoreWatch from myFico will tell you the UTL.

 

Your score will take a temporary hit for the inq's and the new TLs - but like I said, it's temporary. How long the ding will last depends on the thickness of the file. Here, it sounds like you have a very thin file. Garden for the next 6-12 months and you should be fine. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Valued Contributor
Posts: 1,610
Registered: ‎03-24-2013
0

Re: Where on my fico cr's can I see the utilization percent?

you can use credit karma and link your accounts if you want it to do it for you. once you have your card on there all you do is click on it and it will tell you things like limit, util and such. just dont trust the score as it is a FAKO
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$10,000---------$10,750----------$5,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 761
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Where on my fico cr's can I see the utilization percent?


Macdoll30 wrote:
Also if my Utl was at zero on all 3 reports (because I had no credit )and now just applied for and approved for 3 cc's will this hurt or help my score?

You FICO report (TU or EQ, but not EX) will show your utilization if it is a positive or negative scoring factor (see pgs 2 or 3), but it will not show if it isn't a factor. Otherwise you'll have to caluclate it on your own. 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.