OK, last month my Discover TL on Credit Watch showed a $335 dollar limit, and that was also my high credit balance. Since then, I've maxed the card out twice ($1500), and paid it down to 0; my current balance is $50. Today, on Credit Watch, it reports the balance as $50, and also states that $50 is my high balance. It doesn't show the credit limit as $1500, which both TU and EXP do, according to a tri-merge. So what is wrong with EFX? How do I get them to correctly report my balance and limits? This is killing my score, since the way they are reporting this results in 100% usage. Hope this made sense.
Same thing for me, they report a $36 balance on a $500 loan as a $36 limit. I suspect you may be able to fax Equifax one of your statements, assuming their system can even support it correctly...
