https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-and-CO/m-p/481629#M36087 Typically, if there is a balance reporting, then the balance will be added to the numerator, while $0 will be added to the denominator. I other words, the former credit limit will not be added to the formula. Tue, 14 Apr 2009 17:04:39 GMT Junejer 2009-04-14T17:04:39Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-and-CO/m-p/481581#M36083 Does a CO affect your credit utilization percentage? Tue, 14 Apr 2009 15:55:34 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-and-CO/m-p/481581#M36083 Anonymous 2009-04-14T15:55:34Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-and-CO/m-p/481629#M36087 Typically, if there is a balance reporting, then the balance will be added to the numerator, while $0 will be added to the denominator. I other words, the former credit limit will not be added to the formula. Tue, 14 Apr 2009 17:04:39 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Util-and-CO/m-p/481629#M36087 Junejer 2009-04-14T17:04:39Z