Valued Contributor
Posts: 1,900
Registered: ‎01-05-2010
Re: New and need some help
[ Edited ]

Hello there. It might be quite simple actually. In your myFICO EQ report on page 2 or 3, look for "Ratio of your revolving balances to your credit limits"; there should be a percentage. If you don't see it, look for your Amex Gold card account farther down in the report to see if a credit limit is reported. If not, your so-called utilization may be zero, and FICO likes it much better if there are reported credit limits. Also, on page 2 what are the factors in red under "What’s hurting your FICO® score"?