topic Balance reporting question in Understanding FICO® Scoring

Balance reporting question

SDMarik — Sat, 10 Sep 2022 14:05:20 GMT

My Discover card has a CL of $18,500, on my last statement it had a balance of $8 when my statement cut. On my report it is listed at 0% Utilization on the card. Does this still count as an account reporting a balance, even though the utilization is reporting at 0%?

Re: Balance reporting question

SouthJamaica — Sat, 10 Sep 2022 14:38:16 GMT

@SDMarik wrote:
My Discover card has a CL of $18,500, on my last statement it had a balance of $8 when my statement cut. On my report it is listed at 0% Utilization on the card. Does this still count as an account reporting a balance, even though the utilization is reporting at 0%?

Yes it probably still counts as a card reporting a balance, but if you want it to report a balance you're really pushing it.

Re: Balance reporting question

SDMarik — Sat, 10 Sep 2022 19:47:19 GMT

@SouthJamaica wrote:
@SDMarik wrote:
My Discover card has a CL of $18,500, on my last statement it had a balance of $8 when my statement cut. On my report it is listed at 0% Utilization on the card. Does this still count as an account reporting a balance, even though the utilization is reporting at 0%?
Yes it probably still counts as a card reporting a balance, but if you want it to report a balance you're really pushing it.

Gotcha, thanks. I do not want it to report. I have two left for ACZEO, this card and a comenity card that is $0 but hasn't reported in months.