TU98 and charge cards

CS800 · ‎11-01-2011

FOund out today after buying my monthly TU from myfico that my two AMEX charge card balances were added to my 'revolving' balance and that caused my util to go up and I lost 8 points.

Is that normal?

fused · ‎11-01-2011

Yes, that is normal with Amex charge cards (open accounts) when a TU98 score is pulled. TU04, however, doesn't factor Amex charge cards in revolving util calculations

AndySoCal · ‎11-01-2011

Is your AMEX the type where you must pay the balance in full each month ?

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays

fused · ‎11-03-2011

@AndySoCal wrote:
Is your AMEX the type where you must pay the balance in full each month ?

I assumed so, the OP said charge card.

AndySoCal · ‎11-04-2011

I asked because AMEX has both types

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays