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Hello, I pulled my Experian report today... I know i know, experian is the lesser of the 3 right, well it was free with my membership and i just wanted an update. This is what i expected ( and to protect the innocent i am rounding off numbers here) Had a car loan Origional limit was 23,000 > recently i had it paid to 16000 > I made a large payment of 13000 So my current balance is about 3000 So this is the major beef im encountering: my credit report prior to this displayed my credit to debt ratio as 56% I had assumed that after a large payment it would drop my p