Posts: 14,051
Registered: ‎04-15-2011
Re: High Balance vs. Reported Balances

Your FICO score doesn't care what your high limit is.  It just takes a look at the current util at the particular time your score is pulled. 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!