With the help of this board I was able to complete a Rehab last year. My loan went to AES/Suntrust after rehab and is now reporting under a new tradeline.

The new tradeline indicates that it was opened back when I originally consolidated the defaulted loan (1995, which should be helping the age on my credit file) BUT it show the original loan amount as the credit limit ($21,504) with the balance reflected as $40K+ (after years of interest accrual before I rehabbed the debt). This is making my utilization on installment debt 186% !!!!

Has anyone else had this happen? Is there any way to get AES to report the amount of the debt as of the time they took the account as the credit limit?

Installment utilization is a VERY small portion of the utilization calculation. Don't worry about the balance or credit limit. The age and on-time payment history will greatly outweigh this in terms of FICO scoring.

I have a SL that is balance chasing itself - a constant 100% utilization, no matter how much I pay into it. Look at my sig to see how much that's hurting me...

Thanks!