How was this determined?

[treefidy]

On my credit report it shows my installment loans, balance remaining is 8,350, now what I dont understand is there is a available credit and then credit limit.

For available credit it says 650 and credit limit is 9000.

I'm in the process of paying it off but how is it that the credit limit is 9000... or available credit is 650. It isnt like a credit card where I have 650 credit available to charge. Credit limit shouldnt be 9,000 because I was offered much more than 9000 for my loans. I ask because it says debt to credit ratio is 93% which is horrible.

[RobertEG]

Is the account reporting as an installment, or perhaps as a line of credit, such as a HELOC,  based on another installment loan?

You dont have a % util for an installment, you have a % balance of orginal loan amount.

If clearly reporting as an installment loan, it is not revolving and would not be included in % util.