How long ago was it that you ran your credit report? If it was within the last 6 months it really isn't worth it to run it again. When we do multiple deals for a customer, we won't run credit again until closer to the one year mark. However, if there are extraordinary circumstances (either good or bad) then there will most likely be a significant change.

If you have credit cards, you want approximately 70% available. This shows you can manage your debt without letting it get out of control. Things like student loans and your car show up as a term/installment balance. While this is still a factor in calculating your estimated monthly payment, it affects you differently than your revolving balances. This is because you can't increase your installment/term balances like you can with a revolving balance.