Valued Member
Macdoll30
Posts: 33
Registered: ‎10-16-2013
Where on my fico cr's can I see the utilization percent?
Also if my Utl was at zero on all 3 reports (because I had no credit )and now just applied for and approved for 3 cc's will this hurt or help my score?
Frequent Contributor
resilient
Posts: 382
Registered: ‎10-02-2012
Re: Where on my fico cr's can I see the utilization percent?

You may have to do the easy math. $debt divided by $credit lines= utilization, look for the placement of the decimal. Ex  $10,000 debt divided by $100,000 credit lines= 10% utilization.

Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($20k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($35k) Starwood Preferred Guest AmEx ($2k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k) Wells Fargo Visa ($3k)
Valued Contributor
parakleet
Posts: 1,145
Registered: ‎04-13-2013
Re: Where on my fico cr's can I see the utilization percent?

Your actual report from the CB isn't going to have a section where it states your UTL - you'll have to figure it out yourself. But that's really not hard to do - just add up your total available CL on your revolving accounts and your total reporting balances. OTOH, reports from Credit Karma, Credit Sesame or ScoreWatch from myFico will tell you the UTL.

 

Your score will take a temporary hit for the inq's and the new TLs - but like I said, it's temporary. How long the ding will last depends on the thickness of the file. Here, it sounds like you have a very thin file. Garden for the next 6-12 months and you should be fine. 


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Valued Contributor
Luscher
Posts: 1,256
Registered: ‎03-24-2013
Re: Where on my fico cr's can I see the utilization percent?
you can use credit karma and link your accounts if you want it to do it for you. once you have your card on there all you do is click on it and it will tell you things like limit, util and such. just dont trust the score as it is a FAKO
CHASE FREEDOM | CHASE RITZ | AMEX BCE | | BOFA REWARDS | CITI TYP | DISCOVER IT | CHASE CSP
--------$32,000-------------$25,000---------$22,700-----------$18,000------------$11,000--------$8,750----------$5,000----

FICO - TU: 780 EX: 785 EQ: 760
Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
Re: Where on my fico cr's can I see the utilization percent?

Macdoll30 wrote:
Also if my Utl was at zero on all 3 reports (because I had no credit )and now just applied for and approved for 3 cc's will this hurt or help my score?

You FICO report (TU or EQ, but not EX) will show your utilization if it is a positive or negative scoring factor (see pgs 2 or 3), but it will not show if it isn't a factor. Otherwise you'll have to caluclate it on your own.