I recently pulled my credit and it showed that I had maxed out credit limits as well as using more than 50% of my credit alloted. However I have all my credit cards paid off and the only other debt i have is a car loan (other my time share). It appears that my time share that we recently purchased is showing up as a credit card debt. My credit dropped by 20points after we purchased this and it was reported under a credit card debt causing my credit limits to show as maxed out. I'm just curious if this could be a correct category for a time share loan? Is it not a real estate loan? How do I correct it if it is wrong as it has had a major impact on my Fico scoring.
