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Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?

psychic wrote:

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. 

I believe EQ does in fact have the highest cut-off, I believe it's higher than 50K, maybe 60K+.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa