upgraded fico = incorrect utilization?

[Anonymous]

So I just got an upgraded fico, and my score jumped from 636 to 700. In the complimentary credit report, the "understanding your fico" section has my utilization at 0%. Before the upgrade, my utilization from a report pulled in March was 26%. (not much has changed since). I read through the info and FAQ about the upgrade, but cannot figure this utilization out. I'm an AU on two of husbands accounts, FYI. They both have balances with under 30% util. The cards I own have zero balances.

[Rain77]

This thread http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Does-Fico-08-still-count-quot-Same-Househ... and the link in it may provide some insight. 

[Anonymous]

yes, I did read that thread before posting. thanks though. seems like the last post is related. spouses utilization not counting when it should be......

[Anonymous]

FICO 8 handles AUs differently, and you may need to zero in on the details of how a determination is made of whether two people are related for AU purposes.

[Anonymous]

gotcha. I'll have to investigate further. In the meantime, is it possible for the account to be listed on my credit report as an authorized user, but it not be figured into the utilization calculation?

[Anonymous]

I'm starting to understand. Just bc I'm an AU, Fico 8 has different standards/guidelines which may be causing my reported utilization to have changed from the previous fico model. Even though this is my spouse, something is causing a hiccup in it reporting correctly (ie, maiden name, etc). Sound right? Now, I have to find out the problem.