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Soobools

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Loan is listed incorrectly and listed twice. Help?
I had a personal loan but it was sold to a different company. The old loan balance is still showing at $10K and the new company is reporting it as a credit card with 97% utilization so it took 30 points off my score. I'm try to get ready for a mortgage, so I'm very worried about my income to debt ratio and, my revolving credit utilization but I was also told that I could not qualify for the mortgage if there were any disputes on my report. Any ideas on how to correct this? The old company went out of business so they will never report a 0 balance and the new company is still a loan!

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