Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?
04-12-2008 03:00 PM
I believe EQ does in fact have the highest cut-off, I believe it's higher than 50K, maybe 60K+.
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.
fused--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?