Iknow Iam over the 7 to 10 percent utlilization. However, I do believe that my fico score would improve greatly if my total creditlines was reported. How can this be accomplished without maxing out the credit limit. Companies, such as home depot donot report the total credit limit. They report the max amount used. I have heloc that would look really great on my cr if the total line of credit was reported. It would probably reduce my total utilization. How can this be done?
