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Discussion in 'Credit Talk' started by cream, Apr 17, 2001.
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They cerainly consider total balance as a percentage of total limits. Not sure if they look at accounts individually in addition to that.
They don't look at each account.They take your total credit limits that is opened,and deduct any outstanding balance that you may have,the difference after this is done will show your credit usage as far as what percent is used.It is recommended not to use over 20% of total credit limits to achive the highest FICO credit score along with no black marks of anykind.Your age of accounts does make a difference too for getting a higher score too.