Utilization question

[Anonymous]

My utilization right now for all cards is 35.3% based off of my excel sheet.

However, I have C/O's amounting to about $10,000. Are these counted in my utilization score by myfico?

[Anonymous]

If they are balances reported by OC on revolving accounts, then yes.

Message Edited by gordonbs on 08-09-2008 06:11 PM

[llecs]

They could be. YMMV.

DW had a CapOne CO that was factored in. I had a First Premier CO that wasn't factored in. YMMV, but try pulling your EQ and/or TU FICO report. On page 2 or 3, it may list your utilization in the things helping or hurting you.

[Anonymous]

If you can't tell by looking at page 2 or 3, click on score simulator. One of the options is about paying down revolving balances.....what does it say your revolving balance is?

As llecs said......it may or may not be included.

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llecs wrote:

They could be. YMMV.

DW had a CapOne CO that was factored in. I had a First Premier CO that wasn't factored in. YMMV, but try pulling your EQ and/or TU FICO report. On page 2 or 3, it may list your utilization in the things helping or hurting you.

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[Anonymous]

Ok, I did the score simulator. Does it not work for Experian??

TU says my revolving balance is $480

EQ says my revolving balance is $12806

So it appears as if one acct is counting the Charge offs and the other isn't huh?

Also, how can I check on EX?