Dozam

Is that the same thing that the credit card companies see or is that just a little bug in CKs user interface that gives that info?

I'm a little confused and concerned.

It's noted in the article that if your percent of used credit is near max (that is you have nearly maxed out your credit) then issuers will see that as high risk. What confuses and concerns me is that CK lists my percent of credit used as 100%, but I don't have any credit cards. The math makes sense, but is that what the issuers see as well, is that I have maxed my credit out, even though there is no credit there?

Another thing that confused me. My wife and I have had a turbulent credit history in recent years due to a Bankruptcy and we had come to expect that, but about 8 months ago my wife applied for a credit card and got accepted, at the time my credit what higher then hers, by 20 or 30 points according to CK. about 2 or 3 weeks later I applied for the same card and got denied. I don't understand this as my wife had more accounts that went into the bankruptcy then I did and we have both been building our credit with a car loan, but she with a lower credit score got accepted and I got denied. She even put that she was unemployed, but obviously included my income in the household income! any insight into this would be greatly appreciated.

Score of 665 and I got denied...