Having heard that many credit card issuers were lowering credit limits, even on customers with good credit, my daughter (aka The Best Daughter in the Whole Wide World) wasn't terribly surprised to receive a letter recently from Target National Bank Visa informing her that her limit had been lowered by a couple thousand dollars.
What did surprise her, however, were the reasons they gave. Page two of the letter claimed that the following two statements from Experian had the most influence on their decision:
- Lack Of Open Real Estate Accounts
- Number Of Recent Severely Delinquent Accounts
The first reason Re: lack of open real estate accounts is true. TBDITWWW has never owned property.
With regard to reason two, TBDITWWW has NEVER been delinquent, severely or otherwise, on ANY account in her life, and this statement caused both of us severe mental anguish due to our horrible suspicion that in order for Experian to report delinquencies on her credit report, someone must have stolen her identity.
As suggested in the letter from Target National Bank (aka Despicable Pieces of $h*t), TBDITWWW immediately requested her credit report from Experian, and we both nervously awaited its arrival, trying to figure out how best to handle a case of identity theft. We both had numerous sleepless nights worrying about it.
Well, the credit report arrived in about a week, and there were about 16 pages of accounts in good standing, and NO delinquencies at all. NOT ONE.
WTF? WTF*ingF??????????????? Those DPOS are lying.
TO BE CONTINUED....
Happy Wednesday, Paycheckers!
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