Daniel wrote:Just a note regarding utilization, Utilization is based on the statement balance of the account(s) in question. So, receiving a statement with $500 on it and paying in full on or before the due date does indeed show utilization on ones credit report. The catch is, make sure the balance hits your statement as it is possible to pay one's balance down to 0 prior to the statement date, which in most cases I am familiar with shows 0 utilization (but not inactive).
There's no "active/inactive" flag in the file format most lenders use to report to credit bureaus. It's essentially impossible for an outsider to tell if you're using an account or not, if it always reports a zero balance.
Also, utilization is based on the *reported* balance, not necessarily the statement balance. Most large lenders report the statement balance, but some lenders report based on a fixed date. Quite a few will do mid-cycle reporting if something has happened to warrant that (change of address or name are most common. Some will do it if you ask.).