First of all, you should post your question in the credit forum, where it will get more attention.

Second, your paid loan is closed--it's paid off. An auto loan isn't like a credit card, where you keep using it. It should show a zero balance, paid in full. And the new loan is just that--a new loan. You say it appears "maxed out." Again, it's not like a credit card. Both should be reporting as installment loans, with the correct balance.

Installment loans aren't counted in your utilization ratio.

Make sure you have actual reports from each bureau, not the 3-in-1 online reports, because they don't show all the information like the individual reports do.

__________________
The Answer is 42!!