Can someone point me to a ddf thread which talks about this topic? (BTW the ddf search feature does not work so well).
I have "high balance to revolving credit limit" on my report and I am informed that my charge cards are the reason. I spoke with an amex "credit specialist" and she told me that agencies generally take the highest balance in the last 1 months and consider that your total credit limit as apposed to your buying power.
Being that my buying power was always twice as high as my purchases I think that it is kind of unfair.
If someone can point me to a post which talks about this please let me know, or tell me that this is a new topic, thank you.