@HeavenOhio wrote:@Ceewin, for some weird reason, the front-end fluff software provided by many monitoring services will round utilization down to zero while FICO will accept any amount at all to avoid the all-zero penalty.
I agree with you as well on those points. However, the screen shots came from Experian.com and DH's 1B Fico Report (Experian) showed 0% util when the balance was $10/$4k Limit....but I think I may have answered my question re: the 12 pts loss. It seems EX is factoring in the high balance remaining on DH's auto loan as a "harming factor" and TU/EQ are not. Thoughts?
