myFICO® Product Feedback

[westo12]

Credit at a glance shows my total revolving as $3902, which is correct.  But when I go to use the Score Simulator it shows $3437, a difference of $465, which happens to be the most recently reported balance of one of my credit cards (open/paid as agreed).  Any ideas why this is?

[llecs]

What kind of CC is it? 

[westo12]

Cap One unsecured.

[llecs]

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westo12 wrote:
Cap One unsecured.

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Is there a limit reporting on the CapOne?

Oh....is there a dispute comment within the TL?

[westo12]

Yes limit and balance reporting. Now that I think about it, there may be an old dispute comment. But there would have been a follow up one that says updated from a dispute..

[llecs]

Even if the dispute ended some time ago, the comment could still remain. I'd check to make sure. That would explain why it isn't factored. 

[westo12]

Ok, can I expect any surprises when I ask them to remove the comment? For example right now its over the limit. Does it mean that its not factored into my score/util because of the dispute comment?

[llecs]

Right. Once the comment goes away, then expect a score drop. If the comment goes away, and util is in check, then the score could increase if util is improved.