Moderator Emeritus
fused
Posts: 16,371
Registered: ‎03-12-2007
Re: Our Forums' FICO High Achievers: Who has at least one FICO Score of 760 or above?


psychic wrote:


ChumChurum wrote:


psychic wrote:
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?

 


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 (08-22-2014): EQ 820, EX 817, TU 815
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)