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So does a charged off CC with a balance affect your util

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CreditGuy03
Established Contributor
‎08-07-2014 05:13 AM
‎08-07-2014 05:13 AM

So does a charged off CC with a balance affect your util

I have a charged off card from 4 years ago ( past sol) that still has a balance. The balance would be 97% of the cards limit. Does this still factor in to my fico score even though it is charged off?

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019
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Revelate
Moderator Emeritus
‎08-07-2014 02:21 PM
‎08-07-2014 02:21 PM

Re: So does a charged off CC with a balance affect your util

@CreditGuy03 wrote:

I have a charged off card from 4 years ago ( past sol) that still has a balance. The balance would be 97% of the cards limit. Does this still factor in to my fico score even though it is charged off?

Yes, both as a maxxed out tradeline and in your aggregate revolving utilization as I understand it.




        
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