"Quarterly Monitoring" gets it wrong...again.

[Andrew22]

Just got my Quarterly TU score power report. One of the negative factors listed is "high credit usage" and it lists my ratio as 27%. However, in the report the figures show total credit limits for my accounts is: $35,000, and my total balances are $3,500. My USAA credit monitoring has this correctly figured at 10%. And, in fact, those balances are actually lower as of about two weeks ago. What the hell? Is the difference between having an incorrect 27% figure vs. a correct 10% figure significantly impacting my score? Why is this incorrectly figured?

[haulingthescoreup]

Do you have a revolving line of credit and/or a HELOC?

TU flip-flops around with these.

I've always considered TU to be a mess when it comes to figuring/ displaying util. I used to have some really weird figures from them back in the day, and I never could match them, even when I tried leaving out various accounts.

I don't know if TU04 fixed this, of course. How could we know?

[Andrew22]

Interesting. No, on the HELOC, my available credit are from credit cards. Funny thing, my lender pull last month came back abouty 13 points higher than my score here, so maybe TU 04 has it straightened out?