New Member
Posts: 1,257
Registered: ‎07-18-2009
Re: Utilization Theories

bettercreditguy1 wrote:

Experian shows your hightest unpaid balance monthly and the amount paid. So if you view the report it shows the statement amount reported and next month it shows the payment (one month behind) with the new outstanding balance reporting as well. So Yes, the Creditors see not only your history but your payment amounts as well.

Only EX does this and only if the creditor bothers to report the details. Some do, some don't.  Further, EX has only been doing this since summer of 2010 so there is limited statistical data available to create a capacity type metric though I have no doubt this will at some point happen. In my case Citi started reporting min payment due but not total paid while Chase and WF reports both.



I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k