https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Utilization/m-p/834890#M52849 <P>Hi violet,</P><P>&nbsp;</P><P>What is your current utilization (before and after the CL slash)</P><P>How many of your&nbsp;accounts currently have balances?</P> Thu, 03 Feb 2011 06:08:53 GMT Anonymous 2011-02-03T06:08:53Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Utilization/m-p/834882#M52848 <P>I recently had American Express and Capital One slash my credit limits.&nbsp; I hadn't checked my FICO scores in a while so I don't know&nbsp; what the impact to them was.&nbsp; But what I want to know is what would cause them to do this all of a sudden?&nbsp; I haven't had any late payments and I haven't&nbsp;taken on any new credit&nbsp;in more than year.&nbsp; The only thing that happened was CitiBank increased my interest from less than around 5% to over 23% because I missed a payment by a week. And Capital One did the same because I was short making the minimum payment by $4.00 (paid $100 instead of $104).&nbsp; But that was almost a year ago.&nbsp; Why now?</P> Thu, 03 Feb 2011 05:55:13 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Utilization/m-p/834882#M52848 Anonymous 2011-02-03T05:55:13Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Utilization/m-p/834890#M52849 <P>Hi violet,</P><P>&nbsp;</P><P>What is your current utilization (before and after the CL slash)</P><P>How many of your&nbsp;accounts currently have balances?</P> Thu, 03 Feb 2011 06:08:53 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Utilization/m-p/834890#M52849 Anonymous 2011-02-03T06:08:53Z