I currently hold a credit card with XXXX XXXX XXXX, which offers a maximum available credit balance of {$800.00}. Previously, I held a debt with this card of over {$790.00} ; however, I have paid the credit card down to {$280.00} a while ago. Thus, XXXX XXXX XXXX has not reported this correct balance on my credit reports, which reflects my credit card utilization ratio.