"Amount of debt" not making any sense to me...

[Anonymous]

Just got my TU report and noticed that my "amount of debt" is rated "very good", not "great" even though I'm not carrying any balances whatsoever.

I borrowed a wrench from my neighbor last night to break-free crankshaft bolt on my car, do you guys think that FICO system is holding that against me?? Oh, and I also borrowed my brother's car last night..that oughtta hit my score real bad, right?

Anybody got any leads?

I must admit that FICO scoring is a contributing factor in my recent hair loss...

[haulingthescoreup]

Since this is TU, do you have any HELOC (home equity line of credit) debt?

I get this on TU with $0 CC debt, but a balance on my HELOC.

Or maybe a regular line of credit with a CL under $35-$40K or so?

[Anonymous]

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@haulingthescoreup wrote:

Since this is TU, do you have any HELOC (home equity line of credit) debt?

I get this on TU with $0 CC debt, but a balance on my HELOC.

Or maybe a regular line of credit with a CL under $35-$40K or so?

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HELOC? heck, no...probably wont even contemplate getting one in my entire life.

regular cards under $35-$40k? yes, a couple  in fact, all of my cards (5 open an 2 closed) are well under that limit.

EDIT: you seem to have answers to all kinds of credit stuff, LOL

[haulingthescoreup]

lol, well, you've got me.

TU has always been, hands-down, the weirdest of my FICO scores. The revolving util frequently didn't match anything that I had going on, no matter how many different things I added in and pulled out.

But I have to love my TU report, because for some mysterious reason, they simply stopped reporting my lates. And this is on the full underlying report, not just on the myFICO version or whatever. Go figure...

PS --what on earth are you doing with your poor siggy? Every time I look at it, it's morphed again. It's like Salvador Dali doing siggies.

[Anonymous]

About the TU weirdness...remember a month back I mentioned TU was only counting 6 inqs out of 30+? well guess what? now total inqs counting against me is 4  

EDIT: My siggy is ever expanding like me when I forget to run on the treadmill 

[Lel]

You said that you are not "carrying" any balances. But are you letting any balances report to the CRAs?

[BungalowMo]

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@Anonymous wrote:

About the TU weirdness...remember a month back I mentioned TU was only counting 6 inqs out of 30+? well guess what? now total inqs counting against me is 4  

EDIT: My siggy is ever expanding like me when I forget to run on the treadmill 

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I remember reading that post!  Do you use any particular monitoring service??

[Anonymous]

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@Lel wrote:
You said that you are not "carrying" any balances. But are you letting any balances report to the CRAs?

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I know what you are trying to say. I'm not letting any balances report either 

[Anonymous]

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@BungalowMo wrote:

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@Anonymous wrote:

About the TU weirdness...remember a month back I mentioned TU was only counting 6 inqs out of 30+? well guess what? now total inqs counting against me is 4  

EDIT: My siggy is ever expanding like me when I forget to run on the treadmill 

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I remember reading that post!  Do you use any particular monitoring service??

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No.No.No. don't mention the sacred B* 

I pull my Tu only from Myfico and this was only third time this year 

[BungalowMo]

OOPS!! 

I didn't say it!!!  Really, I didn't say that at all!