I just did an analysis of my TU FICO because it said my util was at 60% (eek!).

1) Amex One is not being figured into revolving.
2) My Citi world MC is. It's newly reporting, so it's reporting at 100%.
3) Chase Sig Visa: Not yet reporting on TU, please hold.

A couple of my paid-off open tradelines are missing (as are nearly all my closed ones), so that's why the util spike. Real util is 44.9%.