my credit report is skewed because of the amount of money owed related to the credit limit. 
I have a XXXX credit card, that had a credit limit of {$13000.00} in 2014. They reduced thelimit to {$9200.00}. This increased my " debt to limit ratio '' to an unfavorable rate. I am penalizedtwice. I did have late payment which I do not challenge. But the ratios that are used do nottake into account the reduction in the new limit. XXXX reason it was reduced- lack of use inXXXX stores.