https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Are-Positive-Credit-Balances-Treated/m-p/6795088#M204585 <P>For scoring is a positive credit balance on a credit card treated for scoring purposes the same as a zero balance or is it actually potentially a little better because it shows the card is being used and/or has a negative UTI?</P><P>&nbsp;</P> Thu, 31 Oct 2024 18:36:40 GMT Jazee 2024-10-31T18:36:40Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Are-Positive-Credit-Balances-Treated/m-p/6795088#M204585 <P>For scoring is a positive credit balance on a credit card treated for scoring purposes the same as a zero balance or is it actually potentially a little better because it shows the card is being used and/or has a negative UTI?</P><P>&nbsp;</P> Thu, 31 Oct 2024 18:36:40 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Are-Positive-Credit-Balances-Treated/m-p/6795088#M204585 Jazee 2024-10-31T18:36:40Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Are-Positive-Credit-Balances-Treated/m-p/6795090#M204586 <P>It's reported as a zero balance.</P> Thu, 31 Oct 2024 18:36:26 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Are-Positive-Credit-Balances-Treated/m-p/6795090#M204586 JoeRockhead 2024-10-31T18:36:26Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Are-Positive-Credit-Balances-Treated/m-p/6795298#M204604 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1129564">@JoeRockhead</a>&nbsp;wrote:<BR /><P>It's reported as a zero balance.</P><HR /></BLOCKQUOTE><P>^^^^ This</P> Sat, 02 Nov 2024 01:30:24 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-Are-Positive-Credit-Balances-Treated/m-p/6795298#M204604 Kforce 2024-11-02T01:30:24Z