The credit game

FICO
Fucking Insolent Corrupt Organization

I hate the credit reporting agencies. Who are they to tell me I have average credit? I was checking our reports today and was shocked at our less than stellar number. The reasons astound me and seem so unfair. We have no bad debts. No collections on our accounts, not one single late payment. Yes, we have a high debt-ratio, but all bills have been paid on time year after year. So what's the problem? Simply that we have used our credit and hold high balances on our open accounts.
We've had a difficult year and had to use a lot of our personal credit for my husband's business. On top of that, my husband has taken out a loan for his business in his own name. So, on paper it looks like we are responsible for all the debt, when in fact, his business pays for much of them.
Aye!
In the past few days we've been able to pay off more than half of our personal debt -- by way of selling my car. And the rest should be knocked out at the end of the month. So, in theory our numbers should go up since we'll have no negatives on our account and also no balances on our credit accounts (will still have that nasty business loan). But it still chaps my hide. I'm a good citizen. I pay my taxes, I pay my bills and I bathe my children. Why does this number go around and tell people that I am less than trustworthy?