Negative factors?

[Anonymous]

I just got my FICO scores & reports, & it says something about the amount owed on revolving accounts is too high.  I know this can't be the case, as I always keep the ratio 10% - 20% of my credit limits.  Can I dispute this w/ the credit bureau?

[llecs]

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bucket851 wrote:
I just got my FICO scores & reports, & it says something about the amount owed on revolving accounts is too high.  I know this can't be the case, as I always keep the ratio 10% - 20% of my credit limits.  Can I dispute this w/ the credit bureau?

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Where is it saying this and what is the utilization percent listed (on TU or EQ only, EX lacks numbers)?

[Anonymous]

Have you had an CLD's? Many vendors are lowering limits - and this would shoot up ut.  You could dispute an account as incomplete or inaccurate data.

Before disputing anything, I'd go over each account carefully and verify all tradelines.

[Anonymous]

This was on my XPN report.  I double-checked to make sure my credit limit wasn't lowered.  I just got off the phone w/ someone who told me that it's because I have a high score (789).  Is this some type of technical problem?

[Junejer]

When your scores are high, they start spewing nonsensical things at you, because there's not enough to carp at you about. I would not worry too much about it, unless you can get the uti to under 10%, then it should go away.

[Anonymous]

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@Junejer wrote:
When your scores are high, they start spewing nonsensical things at you, because there's not enough to carp at you about. I would not worry too much about it, unless you can get the uti to under 10%, then it should go away.

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That was my understanding from the conversation w/ customer support.  Then I was just reading a similar thread ("Experian FICO S**ks") & now I'm wondering if it works the same way w/ TU and EQFX (i.e., even though they base the descriptions on items that are actually on your report)? 

[jackg]

bucket851,

Don't forget what FICO says in reference to revolving accounts utilization. To attain the most possible points in this segment yor ratio needs to be 1% to 9%. NOT zero %, not 10%.

Good Luck

[jackg]

What is "XPN"?

[Anonymous]

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@jackg wrote:

bucket851,

Don't forget what FICO says in reference to revolving accounts utilization. To attain the most possible points in this segment yor ratio needs to be 1% to 9%. NOT zero %, not 10%.

Good Luck

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Thanks

[Anonymous]

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@jackg wrote:
What is "XPN"?

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Experian