I think I just found my own answer. It appears that it is to my advantage to leave well enough alone unless there is a problem with this credit card data being added to the installment loan category. We only have one other installment loan, which is for a recent new car loan.
Between the three agencies, there are 4-7 cards being reported in various combinations (some are duplicates on the same report) with total CLs of $2900, $3400 and $19,900. I only use one of these "cards" in addition to my major bank card that is being reported as an installment loan. The others are for stores we either don't have access to anymore, or we simply don't shop there anymore.
Total balances on each of the reports is only $46 since the balance on the card I use regularly is not included. This leaves utilization quite low on two reports.
The $19,900 CL includes the CC with a $12,000 CL, but it shows a $0 balance. It would normally show a $2,000-$2,500 balance if it were being reported properly. Without a balance for the $12,000 card, my utilization is very low. With the current balance added, the utilization would jump to 12%. It would be slightly higher on the other two reports because they are missing the benefit of the CLs from some of the cards on this one.
I'm not really worried about the score at this point, but do want to make sure that with the new guidelines regarding authorized users no longer being reported, I am not left vulnerable since I am only an authorized user on some accounts.
However, "if it ain't broke, don't fix it" might apply here?