Typically, if there is a balance reporting, then the balance will be added to the numerator, while $0 will be added to the denominator. I other words, the former credit limit will not be added to the formula.
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge