Is it possible for an AU account to only report the debt and not the limit? Or for the CB to only calculate the debt and not the limit?
I am on my parents MasterCard 2705/28000 = 9.6%
My TransUnion alert said "The total Balance on all Your BankCard Accounts has decreased by $3,184" ($9,267.00 > $6,083.00)
I know my NFed is 3378 so that means that there is an extra 2705 being reported which is the AU balance. cool, the math works...
Now..... thats fine, but my score jumped only 11 points by taking my UTI from 50% down to 14.8. Makes No Sense
Unless... they arent counting the AU Credit Limit of 28k. without the 28k limit, the UTI drops from 50% to 46.78%
I wont know the specifics until I run the updated 3B report in a couple days, but some insight would be helpful.
Thanks,
Brew
