Department Store/clothing account balances too high in proportion to credit limit, okay same wording as I have seen for revolving accounts however it goes along to say consumers having high balances on these accounts in relation to credit limits are more likely of future deliquency, now this I have NEVER seen with reasoning codes related to balance/ratios. TU is using a different model totally regarding retail accounts very seperate from revolving accounts, I realize they all have their own scoring models of course, but I think TU is the only ones to seperate retail accounts. These accounts are zero now but haven't updated, curious to see what this effect will have. Your thoughts????????