How Does Incorrect CL Reporting Work??

[CBARR82]

Hello everyone! I have a Cap One card that is reporting incorrectly on my CR. It shows that my CL is signifigantly lower than what it actually is. Experian is showing it correctly at $3500, Equifax is showing it incorrectly at $0, and TU is showing is showing incorrectly at $500. My UTL is low so it isn't taking me over 8%, but is it bringing my score down by not showing all of my available credit? BTW, these are pulled on my MPM account daily and not an actual pull from a CRA. Thanks ya'll!

[MarineVietVet]

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@CBARR82 wrote:

Hello everyone! I have a Cap One card that is reporting incorrectly on my CR. It shows that my CL is signifigantly lower than what it actually is. Experian is showing it correctly at $3500, Equifax is showing it incorrectly at $0, and TU is showing is showing incorrectly at $500. My UTL is low so it isn't taking me over 8%, but is it bringing my score down by not showing all of my available credit? BTW, these are pulled on my MPM account daily and not an actual pull from a CRA. Thanks ya'll!

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Scoring never looks at credit limits; only the percentage of use of available credit at any one time.

[CBARR82]

Thanks for the reply Marine! I understand what you mean to an extint. I suppose what I am asking is how does the scoring know what my avaible credit is if it isn't reporting correctly on my reports?? Thanks again in advnace.

[GoBigRed]

I would pull the free reports (if you haven't done so in the past year) and see if they show the same way.