Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
Re: Same Cards Different Utilization on TU and EQ FICO. Confused

fairclok wrote:

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. 

Did they mention what it counts for the CL?  What the others are saying is that the highest reported balance (For example let's say 3,300 was highest for you) and the current balance reflects against that as UTIL.


This hurts me in certain scoring models because my AMEX reports around $1000 every single month, so in certain scoring models it reports as maxed out.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600