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Registered: ‎04-20-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

ChumChurum wrote:

psychic wrote:
You have wonderful balance in your trade lines and varied card issuers.  When the Discover Motiva card starts reporting as a 50K credit line, you must let us know how it reports (i.e., revolving, installment, etc.) and is considered in utilization calculations. 

psychic: I am curious as to why would the Motiva report as "installment".  Is there something special about the 50K level?


Each CRA is different.  I have a $33,300 revolving CL that is not included my TransUnion (and I suspect) Experian utilization calculations.  However, this CL is included in my Equifax utilization calculations.  We've always been a little "fuzzy" about these cut-off points.  I'm just trying to determine each CRA's behavior when it comes to high credit lines. 
EQ 814 / TU 815 / EX 842