Correction on what I said above about TU and the HELOC:
I've run the numbers back to last November, when I still had student loans, and I have found that on screen 2, when TU displays the "revolving" util, it has been including my non-mortgage installment accounts: first the student loans, and now the car loan. It thinks that I have 19% util instead of 9%! I've stopped grinding my teeth; now I'm just mad!
Although by the way, when my (fake) util went from 21% to 19%, it shifted from a negative to a positive on screen 2, so maybe 20% is a magic figure for TU.
edit to add: sorry for the mini-TJ. I feel like a beagle on the trail of a squirrel, and I'll follow it right across the busy interstate without once looking up!

Message Edited by haulingthescoreup on
04-12-2008 10:05 AM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007