My comments below in blue.
@Anonymous wrote:
Fico does consider it because whenever the person pays on it it's reported and ist shows up in my FICO monitoring.
This does not follow. What this means is that the AU card is showing up on your reports. The myFICO monitoring product (which is probably what you are talking about) pulls your reports. But the FICO scoring algorithm itself (not myFICO but FICO) might be disregarding it in terms of utilization. There are a number of reasons the FICO alorithm does this. It does it sometimes for AU accounts, it does it sometimes for charge cards rather than credit cards, it does it sometimes for credit cards with huge credit limits).
My oldest non-AU credit account is 21 years.
OMG, then the AU card is giving you no benefit for age. Ask to be removed from it at once, since it is hurting you in terms of your utilization.
Student Loan = $25600 Orginal Amount = $38000
Student Loan = $18782 Orginal Amount = $28447
Student Loan = $10654 Orginal Amount = $14745
Car Loan = $36896.77 Original Amount = $40000
If you had no open loans, I would have suggested something else you could have done to help your score.
The best thing you can do (for your score and your financial health in general) is to work on paying off all your credit card debt. That will be a long and somewhat painful process. Your priorities should be:
Get all your cards down to under 67% of their individual limits.
Get all your cards down to under 47% of their individual limits.
Pay off two cards completely -- zero balance. Keep them reporting at $0.
Pay the last card down to a small amount and then pay your statement in full each month.
PS. Strictly speaking, the 67% and 47% numbers are 69% and 49%, but since you are also being charged interest each month, you should give yourself a little buffer. I would also make sure that you always pay more than the minimum payment on every card every month.
