jsmith12345 wrote:
This is interesting, I've never heard this before. So if I don't use a card for a year it will not count in my utilization? I have several zero balance cards that I never use, but I'm pretty sure they're reporting as part of my utilization overall % or at least that's what I thought....
General consensus is much less than a year. More like 3-6 months. Can you check your myFICO reports and see if you can figure out what it reports for your util and figure out if any/which cards are being excluded?
