@Anonymous wrote:I recently used Amex CreditSecure to pull my 3 credit reports. It's in the high 700s, but the report says one of the things lowering my score is "AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH." My utilization is below 10% so I don't understand the comment. Any thoughts?
They try to give you the reasons why your score IS NOT higher. Basically if you had smaller balances reporting, your score would be higher.
It's also a generic reason, so it will show up, whenever your balances play a roll to keep your scores down.
Starting Score: EQ 737--TU 742
I was getting the same message and my utilization is low too. Some of it I think has to do because the balance on my credit cards gets reported before I even get the bill.
Anyways, I called two of my cc companies to ask for CLI so I hope that helps somewhat.
Do realize, everyone, that this score service provides FAKO scores, and the advice that comes along with FAKO scores is also FAKO.
In other words, the scores result from a different score formula than FICO uses, so the advice is what would make the FAKO score formula "happy."
OP might or might not get the same negative comment from a FICO score report.
It's not unusual for people with otherwise clean reports to get a comment like this on a FICO report, though. If you look at the list of FICO scoring reason codes, you'll see that there are 40 different ways that you can go wrong with your credit reports. 
As your reports get better, the formula has to dig deeper to find negatives, and that might include criticizing 10% util as high.
But again, the problem here is that this is FAKO advice, and we don't know whether FICO would say the same thing.