From a recent thread, I read that charge offs affect utilization. However, when I look at my fico, they all report a 0 balance and don't seem to affect my utilization. Is it just hidden or is it out-dated information? I only have 1 credit card, and the utilization shows whatever percentage I use, or don't use, of that card. When I pay my only active card off, it shows a 0% utilization, even though I have a bunch of cards that are charged off.
