https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Utilization-Number-of-Revolving-Accounts-with-Balances-Question/m-p/2531631#M75128 <P>HI</P><P>&nbsp;</P><P>I have 12 open revolving account in good standing... 4 have a considerable balance (30-40% util).&nbsp; The fifth account has a $1k limit but is only reporting a $3 balance.&nbsp; Is it hurting me because its not reporting a zero balance (considering the other accounts with balances)</P> Tue, 22 Oct 2013 21:26:18 GMT Anonymous 2013-10-22T21:26:18Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Utilization-Number-of-Revolving-Accounts-with-Balances-Question/m-p/2531631#M75128 <P>HI</P><P>&nbsp;</P><P>I have 12 open revolving account in good standing... 4 have a considerable balance (30-40% util).&nbsp; The fifth account has a $1k limit but is only reporting a $3 balance.&nbsp; Is it hurting me because its not reporting a zero balance (considering the other accounts with balances)</P> Tue, 22 Oct 2013 21:26:18 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Utilization-Number-of-Revolving-Accounts-with-Balances-Question/m-p/2531631#M75128 Anonymous 2013-10-22T21:26:18Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Utilization-Number-of-Revolving-Accounts-with-Balances-Question/m-p/2531753#M75130 What's hurting you is the number of cards reporting balances and the util reported. If the 5th card reports zero, it will help but the reality is you still have 3 more reporting.<BR /><BR />What is your total util? Are you trying to go for maximum FICO scoring? Tue, 22 Oct 2013 22:05:24 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Utilization-Number-of-Revolving-Accounts-with-Balances-Question/m-p/2531753#M75130 Anonymous 2013-10-22T22:05:24Z