I'm not carrying any balances at all, so all that is listed is whatever the balances were last time my cards were reported. CreditExpert itself lists my total outstanding balances as $620. What's up with this? $620 is too much? What are they looking for? People who never even touch their credit cards? My balances are always going to be like that just due to regular spending. And why does my Amex charge card balance count toward the total of revolving balances, when it's not a revolving credit account? Does it do that for everyone, or is this a mistake on my report?