No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
If you compare your reports to your various credit account statements, how well do they match up? We're talking letter by letter, numeral by numeral.
It sounds like you already understand about paying your balances down ahead of time, so I'm surprised that you are getting that message.
Could you post your current accounts (all identifying info removed first) here? Date opened, what the current credit limit is, what is the most recent balance which posted, whether there are any baddies? (sounds like there aren't.)
It sometimes takes a grim line-by-line comparison to figure out what the problem is.
edit: whoops, I'm sorry, now it looks like I'm replying to the wrong post! Hmmm, wonder who had the messed-up reports..