@barca wrote:it is good to know the issue has been reported somewhere else and we validated it here.
I knew about the credit line @Anonymous reported, I never pay too much attetion about the actual balance (to be small)
Honestly, I thought it was just for the heck of it (lol)
apart from people like us that micro manage our FICO scores, most people would not even notice or decipher what is going on
TAKE AWAY: to be 100% sure you maximize all FICO scores: (per @Anonymous )
AZEO credit line should be less than 31K and balance reported should be less than $100
Thanks @SouthJamaica , @Anonymous , @dragontears , @Anonymous, @Anonymous for the inputs
@barca and it must be a national bankcard (M/C,V,AmEx,D). Retail card or charge card is not good enough.
you are correct, most people would not have a clue. As a matter of fact, balance thresholds are one of the newest things we've learned here. And we still have to catalog them, who knows where all they are, we know that they start lower on the older scores and they start higher on the newer Scores. Balance Thresholds are real @SouthJamaica 
!
< 9.5%/4.5% is only sufficient to maximize utilization metrics, you still have to maximize balance Metrics, AWB metrics, etc...