I understand that a great impact on my score is the credit utilization of my credit card balances versus credit line.
My problem is this. I have numerous credit cards (in good standing) and when the CC card reports they do not report my credit limit or my high balance.. I was advised that the bureaus and fico would alternatetly use the high credit reported if the CL was unavailable. In some cases the CC company does report the high balance and on several they do not even report that. (CITI, BofA) Consequently this forces my utilization up to approx 50% when if they calculated my utilization using either high balance or limit it would be close to 15% What can I do?
How can I make the CC companies report this information?.
How can I make the CB consider the high balance in theis calculation?
