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Charge-Off's count toward Utilization? This is CRUSHING me

Super Contributor

Re: "Your Chase account is being managed by United Collection Bureau" uh...

@Rudoja00 The fair debt collection practices act and the fair credit reporting act and implementing regulations.


That's where the information that I gave you in the other thread came from, that's where your right to file a dispute or a direct dispute or a method of verification request or a complaint with the CFPB or a civil suit derives from as well

-Our Community’s updated scoring wisdom: Scoring Primer.
-New Mortgage Section:MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors thread.
-ccquest’s workbook calculates metrics for you: Workbook.

Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.

(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
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