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If you are an authorized user on credit card......

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Madison
Regular Contributor
‎10-27-2008 06:50 AM
‎10-27-2008 06:50 AM

If you are an authorized user on credit card......

would the CL be included in figuring your utilization? My wife has a B of A card with Zero balance and $5,000 CL. I pulled a credit report and it doesn't appear to be included when calculating my utilization %.
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Junejer
Moderator Emeritus
‎10-27-2008 08:40 AM
‎10-27-2008 08:40 AM

Re: If you are an authorized user on credit card......

If it's showing on your CRs, then it should be included in your util






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Anonymous
Not applicable
‎10-27-2008 10:49 AM
‎10-27-2008 10:49 AM

Re: If you are an authorized user on credit card......

This happened to me, but I realized that I was including CL's for accounts that were closed, which are not included in FICO calculations. Just thaught I would share my mistake, in case you did same thing.

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