Now I know the qspace is NOT and actual score but it seems their method is rather similiar to what I have read regarding FICO factors. Here is one reason my score factor was down: Credit Usage : You are currently using more than 50% of your credit limit on 2 credit card(s). This only includes your open accounts for which the credit limit/loan amount is available. This is making your score lower. Now the line that says this only includes your open accounts for which CREDIT/LIMIT loan amount is available. Hmmm that has me thinking if my limits aren't revealed with Citibank, do they not take the balance into factor???? Anyone see my point and does anybody know about this???