So TU doesn't count AU and Efax does in util%

[Anonymous]

Because of some foul-up with Chase my scores changed a lot and bought new FICO reports.

TU says 48% whereas Efax says 16% (for same accounts)

Ran spreadsheet, basically Efax factors in AU and TU does not.

Sucky aside (as per another post) is my #s would be 16% and 5% if Chase had not done unauthorized BTs and THEN reported them before the return updated.

[Anonymous]

Again, do not believe that to be the case.  No one is "not" counting AU's as of now, and never may do that.    It is probably the $50k CL that is being reported as revolving for one CRA and installment for the other.   Perhaps lowering the CL to $40k would do the trick.

[Anonymous]

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@Anonymous wrote:

Again, do not believe that to be the case.  No one is "not" counting AU's as of now, and never may do that.    It is probably the $50k CL that is being reported as revolving for one CRA and installment for the other.   Perhaps lowering the CL to $40k would do the trick.

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No, ran that scenario. The one that works to a 't' is counting the AUs in utilization. NOT saying they don't count for scoring, saying TU is not counting them as part of debt/line for utiliztion.

[Anonymous]

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@Anonymous wrote:

Again, do not believe that to be the case.  No one is "not" counting AU's as of now, and never may do that.    It is probably the $50k CL that is being reported as revolving for one CRA and installment for the other.   Perhaps lowering the CL to $40k would do the trick.

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Hey Boscoe, really interesting idea. Is the $40k the magic #? The question becomes though, if the $50k card is the one with $7k credit, how will that affect things? I mean the $7k already shows as outstanding 'debt' (not good) but isn't viewed in my revolving %.

Currently (counting AUs) my debt to limit is about 4% (2k to $50k), making the $50k card a revolving $40k one would change that to $9k/$90k (10%) but would also show a $50k card for 'me' which might help with apps later.

If I do my own (non AUs) I have $700/$10000 (6%) which is better % but not as good length, payment history, or CLs.

[Anonymous]

I will defer to the mods on the "magic number" for counting revolving vs. installment debt.  I know that no one knows for sure (another FICO secret), but I believe we have a decent idea of what is safe.  I believe $40k would do it.

The determination of rev vs. install is made on the CL, NOT on the outstanding balance.

I will also ask the mods to comment on your "AU" question.  We do know for a fact that AU's ARE still being included in scoring.   Are you sure this card is reporting on all your credit reports, including TU and EQ?

[haulingthescoreup]

I agree about it not being an AU issue. My utils on TU and EQ are the same.

And I agree about the high-limit card. I just don't know how low it would have to go. What I've read is that for many people, $40K doesn't report, and that's the minimum that you would have to get for a HELOC, etc., that you did NOT want to get included in util calcs.

So quite possibly, you'd need to be lower than $40K. How low, though, I have no idea.

[smallfry]

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@haulingthescoreup wrote:
I agree about it not being an AU issue. My utils on TU and EQ are the same.

And I agree about the high-limit card. I just don't know how low it would have to go. What I've read is that for many people, $40K doesn't report, and that's the minimum that you would have to get for a HELOC, etc., that you did NOT want to get included in util calcs.

So quite possibly, you'd need to be lower than $40K. How low, though, I have no idea.

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Hauling is your 40K figure for credit cards or lines of credit as in equity pulled from a home? FWIW my Navy 40K CC is counted toward revolving utilization. Not sure that is the question though.

[haulingthescoreup]

That's interesting to know, because one theory floating around here is that anything --CC's, LOC's, HELOC's --over a mystery figure is removing from util calculations. That's what I based my comment on.

So it's very useful to have verification that you have a $40K CC that's being included in your revolving util.

One problem is trying to figure out from myFICO reports how they're looking at things. I've gotten really strange util figures on TU (always TU), and no matter what I throw in or remove, I can't make them behave. And then the next month, they're perfectly fine.

In terms of FICO scoring, I'm about ready to imitate the White Queen in Alice in Wonderland: "Why, sometimes I've believed as many as six impossible things before breakfast."

[Anonymous]

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@haulingthescoreup wrote:
I agree about it not being an AU issue. My utils on TU and EQ are the same.

And I agree about the high-limit card. I just don't know how low it would have to go. What I've read is that for many people, $40K doesn't report, and that's the minimum that you would have to get for a HELOC, etc., that you did NOT want to get included in util calcs.

So quite possibly, you'd need to be lower than $40K. How low, though, I have no idea.

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I've run the last 3 or 4 TUs through spreadhsheets, and sorry, there is NO rhyme or reason. As far as I can see, sometimes they count Amex, somtimes not, sometimes the $50k Citi, sometimes not. Mostly it seems Amex is counted, and Citi $50 is not.

[Anonymous]

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@Anonymous wrote:

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@haulingthescoreup wrote:
I agree about it not being an AU issue. My utils on TU and EQ are the same.

And I agree about the high-limit card. I just don't know how low it would have to go. What I've read is that for many people, $40K doesn't report, and that's the minimum that you would have to get for a HELOC, etc., that you did NOT want to get included in util calcs.

So quite possibly, you'd need to be lower than $40K. How low, though, I have no idea.

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I've run the last 3 or 4 TUs through spreadhsheets, and sorry, there is NO rhyme or reason. As far as I can see, sometimes they count Amex, somtimes not, sometimes the $50k Citi, sometimes not. Mostly it seems Amex is counted, and Citi $50 is not.

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Ok it is official (for me at least);

1) TU does NOT run the $50k card as revolving

2) TU DOES run the Amex as revolving, using the High-Balance as CL.

Can I do something about this? It is my parents card and can go as high as $10k both debt and CL and is ruining my utilization. Right now they have me at 48% util (!) w/o I'd be at 24% (well 7% if Chase reported correctly).

Can the CRA just consider Amex as Revolving if they want???