Regular Contributor
Posts: 169
Registered: ‎03-16-2007
"I have strongly suspected this. However, if you wou...
[ Edited ]
"I have strongly suspected this. However, if you would share, I'd appreciate the basis from which you've made this statement. I haven't been able to find anything myself from the various credit forums or FICO as verification. Thanks"
Just look at your report and calculate the utilization by hand, ignoring those accounts. Then compare the number with what it says your utilization is under the positive/negative factors (e.g. "The proportion of balances to credit limits (high credit) on your revolving accounts is x%. The average..." ). You should be able to see this number match your own calculation, perhpas after a little tweaking of what you count and what you don't. Additionally you can find similar stories on other financial forums.

Message Edited by okrogius on 03-30-2007 11:15 PM