https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/932780#M151945 <P>Does this seem to be an error?<BR /><BR />EDIT: I called FICO and apparently the discover account is in dispute, even though I never disputed it. So it isnt reporting the credit limit.<BR />When applying for credit, do companies leave out an account when it is listed as being in dispute?</P> Tue, 31 May 2011 16:26:12 GMT Anonymous 2011-05-31T16:26:12Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/930124#M151834 <P>Just got my quarterly TU FICO score and have a score of 761, which I am very happy about. However, it says my ratio of revolving balances to cred limits is 76% and cannot understand where this number came from. My accounts and balances are:</P><P>&nbsp;</P><P>Cap1 - Balance of $223, $750 limit.</P><P>AU on Amex Gold Charge- Balance of $1,500, no limit</P><P>AU on Discover Card- Balance of $76, $14,400 limit.</P><P>Federal Student Loan- $2,750.</P><P>&nbsp;</P><P>When apping for credit cards, will they take FICO's UTL number or calculate their own? Because I believe it should be around 10% and FICO's calculation seems to have an error unless I am calculating wrong.</P> Fri, 27 May 2011 17:42:42 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/930124#M151834 Anonymous 2011-05-27T17:42:42Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/930330#M151840 <P>If the Amex Gold reports on the TU report, what is the listed "high balance"?</P><P>&nbsp;</P><P>Do you have any other TLs listed like a HELOC or LOC?</P><P>&nbsp;</P><P>Do you have any closed accounts with a balance reporting that isn't included in the three above? Any CO CC accounts w/ a balance?</P> Fri, 27 May 2011 21:28:57 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/930330#M151840 llecs 2011-05-27T21:28:57Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/930662#M151857 <P>It does list that past high balance as 1,500... And everything that is on my CR is what I listed, no TL's or closed accounts.</P> Sat, 28 May 2011 06:00:26 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/930662#M151857 Anonymous 2011-05-28T06:00:26Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/930762#M151860 <P>And there is absolutely nothing else listed on the Accounts page aside from these 4?</P> Sat, 28 May 2011 13:05:18 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/930762#M151860 llecs 2011-05-28T13:05:18Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/931416#M151886 <P>No there isnt. Just these accounts.</P> Sun, 29 May 2011 06:57:03 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/931416#M151886 Anonymous 2011-05-29T06:57:03Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/932780#M151945 <P>Does this seem to be an error?<BR /><BR />EDIT: I called FICO and apparently the discover account is in dispute, even though I never disputed it. So it isnt reporting the credit limit.<BR />When applying for credit, do companies leave out an account when it is listed as being in dispute?</P> Tue, 31 May 2011 16:26:12 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/932780#M151945 Anonymous 2011-05-31T16:26:12Z https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/932816#M151946 <P>Ah ha! While the TL is still reported, FICO will ignore certain aspects of the TL while in dispute like the balance and the CL.</P><P>&nbsp;</P> Tue, 31 May 2011 16:45:19 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-did-FICO-calculate-my-UTIL/m-p/932816#M151946 llecs 2011-05-31T16:45:19Z