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Old Aug 3, 19, 10:33 am
  #216  
RedSun
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 2,642
Originally Posted by Lobachevsky View Post
If CL cycling is "a huge risk factor" for banks, why isn't it a part of any credit risk score. FICO doesn't care about it in any of its dozens of models, nor does any other credit score model I know of.
Can you explain how Experian would know that you cycle the CL? It is not that Experian does not care, but it does not know. It relies on the data reported from the bank. The data is only a snapshot at a single time. Experian only sees that you have a $15,000 balance out of its $20,000 CL. That is all it sees.
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