Posts: 79
Registered: ‎10-03-2012
Re: Same Cards Different Utilization on TU and EQ FICO. Confused

I spoke with a MyFico representative today.   They had to do some research and it seems you guys were correct.   They mode the Transunion FICO is based on, on does include Amex (Charge Cards) in utilization.        It includes the current balance reported, NOT the highest balance ever reported. 

Starting Score: Sept. 2012 EX FAKO 601; EQ FICO 603; TU FICO 607
Current Score: Feb 2014 EX FICO 749; EQ FICO 744; TU FICO 763
Goal Score: 760 on all 3

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