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Citi LOC x Overall Util

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Member

Citi LOC x Overall Util

First post, been reading the boards regularly as I start my rebuild.

I have a Citi Checking Plus LOC reporting in addition to 6 CCs, 1 Student Loan Bundle, and 1 Personal Loan, zero baddies.

How does the LOC factor into my util?

Some sites/apps (nerd wallet, myfico, experian, karma) include it as part of my CC Util, others exclude it.

If it applies to CC Util it makes a pretty big difference (in my favor) as I’m holding zero balance there.

If not I’m farther away from <28.9% than I was hoping.

Thanks for the knowledge!
Starting Score: EQ 681|TU 660|EX 680 Jan 2019
Current Score: EQ 788|TU 772|EX 785 Mar 2019
Goal Score: EQ 800|TU 800|EX 800
2 REPLIES 2
Frequent Contributor

Re: Citi LOC x Overall Util

Is it a PLOC? Are you using it? Or do you have an loan?

 

I had a PLOC with a couple of banks and they reported them as if they were both CC's.





RIP: EECU PLOC | BBVA PLOC | Chase SP | Chase Amazon | Chase Freedom | WF Propel
Message 2 of 3
Established Member

Re: Citi LOC x Overall Util

It’s a PLOC named Checking Plus, they sell it as overdraft protection for regular checking accounts.

I have carrried a high balance on it until January but it is at zero now.
Starting Score: EQ 681|TU 660|EX 680 Jan 2019
Current Score: EQ 788|TU 772|EX 785 Mar 2019
Goal Score: EQ 800|TU 800|EX 800
Message 3 of 3